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Should
I purchase Travel Insurance?
I'm not one to
purchase travel insurance to try to make my travel completely
risk free. I'm more of a dive in and hope for the best type
of person. I can usually adopt my itinerary and plans to most
anything thrown at me...but when it comes to yacht charters,
I think it's a little different.
If there's a serious
medical emergency with a family member or yourself and you
have to cancel your flight the airlines will usually accommodate
you. If their flight is cancelled, they'll usually help you
out. In most cases they will work with you(unless you cancel
for a non-emergency reason and in many cases there will just
be a cancellation fee).
With a yacht charter
it's different. You chartered the yacht and it is your responsibility
to get to it. The charter companies are not ruthless, they
just can't afford to have a yacht sitting empty at the dock
when they could have chartered it out. As far as they are
concerned, although there are good reasons to cancel a charter
and they may sympathize with you, they most likely will not
refund your charter expenses.
What could cause
you to miss your charter?
- You miss your flight and can't get on another one...
-Your flight is cancelled...
- Your travel partner has an emergency and cannot go...
-You or your family member has an emergency and cannot go...
-A natural disaster occurs in your community and you can't
leave your house in the state it's in
-Your pet gets sick or must be hospitalized
-the airline that flies you to the yacht folds....and they
can't get you on another flight for 4 days or more...
-You get laid off and decide that this is not the time to
travel..
-The honeymoon cruise you've been planning has been called
off because the wedding has been cancelled
-Everyone is getting laid off around you and you decide it's
not the best time to let your company know that you're despensable(this
happened to a friend who came back from his vacation only
to find out he had been laid off).
-While on holiday you have an accident and cannot continue
with your plans
Anyway, some of these are far-fetched and probably won't happen,
but the point is you're purchasing insurance to protect yourself
from anything that might cause you to cancel your trip.
What I suggest is that you go to www.TravelersTravelInsuance.com
and see what the cost of Travel Insurance would run to cover
your trip. Once you have the cost and understand what it will
cover ask yourself this simple question... "Is it worth
X dollars to protect my travel?"
Look at the total cost of the trip and compare it to the cost
of the insurance... Is it worth it?
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