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Get travel insurance everyone?
General Topic
I missed my miami cruise a few weeks ago because of a plane crash I was flying the plane personally because the original flight got canceled i decided to take my plane so It wasn't booked by the cruise line.
I didn't get travel insurance so I'm basically receiving no compensation and the cost was about 2600 dollars total and I could have received most of it or atleast some of it had I gotten travel insurance.
So get travel insurance it's not worth the risk and also book through the cruise line if possible.
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Goodness you crashed your plane trying to get to the cruise??? Glad you are ok… that’s crazy
I'm sorry but I am in tears from laughing so hard. I really hope OP is okay but the way they worded their post had me thinking the same thing
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Sorry I didn't clarify much here's what happened.
I was supposed to take a regular flight to miami but it got canceled a day before the flight the closest flight was in 2 days. I owned a small plane and I thought I would fly it to miami instead of waiting 2 days and likely missing my cruise.
My plane was hit by heavy hail after takeoff so I decided to turn back but I landed extremely hard and skidded off.
I mean, if there's anything about this story that's true, then I can't imagine you're sweating the $2600 that bad.
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If you're focused on the cost of the plane or the boat, you're not experienced enough to have the conversation. (not to mention that any airworthy plane from that vintage is still pushing six figures or more).
The only way you get to have enough money like that is by worrying about your pennies and nickels!
You make that much by selling travel insurance and advertising in unique ways. Now he's concerned because his plane with the website on the side can't fly, so he needs to worry about money.
If a small plane could make the flight, why not just drive?
Your username is fantastic.
thank you!
Because of you can drive, why not fly?
If you can walk away from a landing, it's a good landing.
Glad you're okay!
That's fucking wild
Sucks but glad you survived
What an ordeal
From one pilot to another - why the hell did you take off with thunderstorms and hail in the area…?
To make the cruise on time, duh! /s
That’s scary and I’m glad you’re ok! Not that I’d ever be flying my own plane but if I did, would travel insurance cover it if I were the pilot? You have me curious now! I’m sorry you lost your money though. I hope you can take a replacement cruise soon!
Well, travel insurance will usually cover if you crash your car on the way to the destination, so maybe?
Good point, I hadn’t thought of that. Thanks!
i’m so confused
Basically get travel insurance because if you don’t, you may have to fly your own plane and when it crashes and you don’t die, you could be out $2600.
Jokes aside, travel insurance is never a bad call.
I laughed way too hard at this comment. Thanks! 🤣
OP’s gotta buy some punctuation.
3rd party insurance tends to be cheaper and have better coverage. Sorry to hear about your plane, hope you’re ok!
A little history about travel insurance is in order to understand how this industry works. Decades ago, travel insurance was a product that would offer you medical care and medical evacuation coverage when you were in a foreign country. It was (and still is) highly regulated and does a very good job in this aspect.
Then the marketing boys got involved and found that people wanted "insurance" for any reason. The so-called Cancel-For-Any-Reason (CFAR) policies were born out of this marketing and due to the fact that this is an unregulated portion of the insurance market there have been some rather unscrupulous practices going on. This type of travel insurance is actually the highest profit insurance product out there and at the same time has the highest level of complaints about it. That's because you are buying a policy that is a contract (you haven't read) and not those marketing claims (that you did read). If you take the time to read the contract you will find out that what you think you bought most likely isn't what you have bought, hence the extremely high complaint rate of the product.
When you get down to the nitty gritty most of the "cheaper" CFAR policies have so many loopholes that most independent insurance agents will not write them. However, they will write you policies for medical/evacuation if that is what you want. You will find the place to go for the CFAR policies is on the internet due to the wild west nature of the business and real agents don't want the hassle of selling you something that is not what you think it is and, in most cases, not very useful.
Personally, we use a travel credit card for all of our purchases (AMEX Platinum but Chase Sapphire is also great) and rely on that insurance for medical evacuation. They also offer some other trip insurance benefits but as with the CFAR policies there are exclusions. We use our private health insurance for medical expenses outside of the country, most people are under the mistaken impression it doesn't cover you, but most do, be sure you double check this. Other than that, we don't spend money on extra insurance. Remember that most of the cheap CFAR policies don't do much, they may make the person "think" they are insured but it comes with lots and lots of exclusions. True CFAR policies are much more expensive and since we travel a lot, we have saved tens of thousands in policy premiums that would have been spent on true policies for a highly unlikely event.
Everyone has their risk tolerances, but I highly suggest that you ask for the actual policy if you choose to sign up for insurance. You will find that many travel insurance companies refuse to give this out until you sign and pay for the policy, hmmmm, I wonder why that is 🤷♂️. If you are able to get the policy, go through it with a fine-tooth comb and see what they cover. If it's not listed as being covered it is not covered no matter what the salesperson will tell you. (There could also be a section that says "things not covered" or something like that, this will explain to you the exclusions.)
The bottom line is too many people think they have insurance when in fact it only covers minimal amounts under very strict policy guidelines. Please, read those policies.
Great information - thank you!
I did for our trip on Icon in April. Way too expensive to risk not buying it
May I ask which insurance you purchased? Going on Icon in June.
We purchased the insurance offered with the booking through Royal
Thank you
Super glad you survived!
I’m saying yes on the travel insurance. My credit card has trip insurance included for any travel that I charge using the card. Might be an option for you instead of purchasing a separate policy.
I found allianze has a great annual deal for about the same as most trips. Almost always have it and luckily never needed it! I had someone on one of my pilgrimages that got covid overseas, quarantined and joined us at end of trip. Although she missed a few days, financially she made money!
Travel insurance is a good idea, but in your case it would not have helped. Insurance policies have a very explicit list of conditions under which they will cover losses. They also have a list of exclusions.
On my last two cruises I purchased travel insurance from two different companies. I just took a look at the policy documents and both policies say they will not cover any losses arising due to you piloting an aircraft.
Sorry to hear about you and your plane!
I got the flu recently onboard and my insurance fully covered all expenses. Saved me just shy of $1k medical costs, glad I got it. Don’t skip it people!
Which travel insurance did you have?
I use Travelex :)
Yo. It could be worse…. You know paid with your life.
I've never bought insurance once and I've never needed it. I'll consider myself lucky.
Pretty sure this is how Flash Gordon started. Was it regular hail or was it hot hail?
I've never gotten travel insurance on any vacation or trip I've ever been on. The chances of needing it are very slim.
Even if something happens now, it's likely would cost me what I would have paid on all those trips, flights and hotels.
Get it if you want to feel safer, but I wouldn't force it on anyone.
Credit card charge back that shit. You paid for services you did not receive. No services, no payment.
He did not receive the service because he failed to show up.
If the ship didn’t sail that’s one thing.
But if you miss the boat that’s on you.
Credit card charge backs aren’t automatic. They investigate. If the ship actually sailed he’s out of luck.
Plus if you try a chargeback to get a cruise refund to which you are not entitled the cruise line might ban you. People here have reported that happening.
Eh I didn't. My Chase Biz card covers it.
"Trip Cancellation / Interruption Insurance^
Benefit Overview
If your trip is cancelled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
The following information is a summary only. Please see your Guide to Benefits for complete details."
Just curious, have you ever filed a claim via credit card insurance. I guess I have this as part of my card too, but I worry that it won’t be sufficient or they’ll weasel their way out of it. I’ve never tried to file a claim via this insurance.
I have not. It's there for a reason. You'll just need to provide with them plenty of proof.