Factual experience.....different destination
and more days. Long flights.
Over all of the years that we bare boat chartered all over the planet, usually two weeks in great cruising grounds , we always added on the trip insurance. Just in case.
One year, we were two weeks away from sailing with the moorings in Belize
. We were flying out of LAX, our friends who were also coming along were out of Minneapolis , Minnesota
Erica and I had sailed our Ericson/Olsen 34 over to Catalina
for a three day weekend, and were moored in Avalon
. We had plans to go ashore for dinner, but another couple who we knew well, were also moored a few boats down and came over to have boat drinks.
was still two weeks away, the boat, airfare, hotels, provisioning
, everything was prepaid. Normal procedure, and that came to several thousand dollars.
After a couple of rums, our Catalina
friends ran us ashore to a small dinghy dock
that had a rather steep inclined ramp
heading up to the road. Erica was in front of me, I was clowning around pushing on her tush, and planted my foot on the ramp
as I pushed her up the high incline.
Kersnap ! My calf muscle tears, and I heard it. Not good. I hobbled to dinner ashore there in Avalon
, and back to our vessel on the shore boat.
The next morning, we sailed home to Newport
bay, about 26 miles. I was effective as skipper
, and had Erica as crew. She did most all of the deck
work, and we swapped out helm
the boat, Erica drove me to the VA, and after exrays and doctors and big black boot and crutches I called the Moorings the next day.
They said no way should I be skippering a sailing vessel in Belize.
The trip insurance kicked in. They returned all of our Belize trip money , the airfare, the hotel
for a couple of days, the boat costs for 14 days, everything.
We used a trip insurance company called Travel Guard.
Two weeks later I received a check in the mail for all of our paid costs, and immediately sent the exact amount paid by our friends to them by check.
All those 33 years of bare boating
, it was the only time that we had to actually use the trip insurance. Very happy that we had it. Also, it effected our friends as well since they also signed up for the trip insurance.
There you go, when we travel on vacations, land or sea, we still sign up for the trip insurance. Sometimes we have to use different companies. So far we have never had to actually use it again. Which is good.
As to your own situation, which is a bit different, that is your decision.