Reminder, not all Travel Trip Cancellations Insurances
are treated equal … Not at all ! And
most folks do NOT realize this !
Some TCI cover “weather” to get you to the
destination. Such as, if you were about
to embark for a cruise vacation … And weather in your home city or embarkation
port (whether driving or flying), had weather issues, causing you to miss the
ship. Then the airlines will work with
you, to get you to a port for you cruise, and you can turn in the cost with
your insurance. There’s more to this,
but this is the generalities.
Another TCI might cover “weather if you never get to go”. Such as for a cruise, if your home town never
allows you to fly or drive out, to get to port, due to weather. If the port of embarkation, never allows you
to arrive, due to weather, then this is often handled differently. The cruise line may (?) offer compensation,
if the ship can never come into port, to pick you up. Again, this comes under “what if” and can
often not be answered till something, such as this, took place.
Either way, this second insurance is actually better to
have, because it covers more than just weather delays … It covers weather if you never get to
go. Which is also a better insurance, if
you are just flying to an island, and a hurricane caused folks to miss their
entire vacation.
However, neither of these insurances allow you to choose
to cancel, out of fear of a hurricane coming.
If the ship or flight is still a-go or the island has been cleared for
enter, you must plan to show up. If you
don’t, the two insurances above, will not cover.
You need a “cancel for any reason” type TCI to just
decide you don’t to go … Whether it’s your fear of a possible hurricane or for
what ever reason you decide not to go.
Only a few cruise lines and cruise specialist/travel agencies offer this
type of insurance (most travel agencies only have access to cruise line/tour
operator insurance and do not have available, their own 3rd party
insurance). However, many Tour
Operators, such as FunJet Vacations and River Cruises, do offer this. But again, buying TCI “from the vendor,
whether cruise line, tour operator, or River Cruise, means that you are not
covered with “bankruptcy of a carrier”.
It can be a toss-up to which TCI you may actually need to purchase).
My first reminder … Buy Trip Cancellation Insurance with every vacation. #2, KNOW YOUR INSURANCES … What it covers and what it doesn’t !
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