We are departing for a Western Carribean in two weeks, and like many others are doing some of the usual tricks to save a few $$ where we can. Another couple we know decided to join us, and unfortuantely decided to go as cheap as possible, thus declining trip cancellation insurance of any type. Sure enough there was a death in their family today, and they must depart overseas at once. He says that they travel a lot and the insurance costs add up over time, but I say being out $4000 will buy a lot of insurance.
I guess what I am saying is that it is fine to cut corners where you can, but really think twice when it comes to trip insurance. Speaking from experience, I was knocked down with a flu the day of departure in 1999. Took the doctors advice and bowed out of a $5000 trip. In the end I recovered about 90% of the funds, sure am glad we did not go as I was flat on my back for 8 days.
I really doubt there will be a concession offered as the option to purchase coverage is made with every booking. This is a case of flat denial to take the insurance, as they had booked through an agency and were warned.
I am sure the you are covered, as every policy I have taken out covers this sort of thing. From past experience with myself and other family members there has been coverage for Not being able to start a trip due to sickness, change of return due to hospitalization, and early return due to death in family. In all cases never a problem to collect, although some companies are slower than others.
On the topic of insurance, please make sure you have proper medical coverage for your trip as well. Once again for the cost of a few dollars a day, one can save financial ruin.
On February 12, 2006, we took a 6 night Western Caribbean cruise on the Carnival Liberty. On the second evening, after we had departed Free Port, Bahamas, the captain announced that a passenger was gravely ill and would be airlifted off of the ship by U.S. Coast Guard helicopter.
It was after midnight when the helicopter arrived. It was very dark out and between the speed of the ship and the headwinds; the helicopter pilot was trying to hover over the ship in 30 mph winds. While the helicopter hovered over the aft portion of the ship, a Guardsman was lowered to the deck. Then a stretcher was lowered to the deck. While they were putting the patient in the stretcher, a basket was lowered to the deck and picked up a nurse who traveled with the patient. The helicopter then picked up the patient in the stretcher and finally picked up the Guardsman. All the time this was occurring the helicopter pilot was battling high winds while trying to hover over the ship in the black of night. I was very impressed with the skill and bravery of the Guardsmen.
The patient was then flown to Miami. Although the patient was safely off the ship, the patientís family was not able to leave the ship until two days later when we stopped in Grand Cayman.
I donít know what this rescue cost, but I am sure it was very expensive. This is a perfect example of why you need travel insurance.