If this is your first visit, be sure to check out the FAQ by clicking the link above. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. |
|
|
Thread Tools | Display Modes |
#21
|
|||
|
|||
Hurricane Season 2004--please read
"Charlie Hammond" wrote in message ... Because of this, the general rule is NOT to insure any loss you can afford to sustain. Well, if you can't afford the cost of your vacation, then stay home. Not wanting to lose the money hardly equates with not being able to afford losing the money. And enjoying the fruits of a vacation that cost $10,000.00 is hardly the equal of simply losing $ 10,000.00. Also keep in mind that you will probably NOT loose all of your vacation money. Most resorts and airlines will (inspite of the original posters statements) make a full or partial refund under most conditions -- certainly if a hurrican makes thier providing the contracted services impossible. Most resorts (as well as liveaboards) have very strict policies in place that force the buyer to carry all the risk. You might get fortunate and get a credit for future use, but even that is not assured. These days, even most First Class airfares have restrictions. Unless you have paid full boat First Class you will likely see NO protection from loss in terms of a refund (and in most cases a change or credit will involve a fee, just like Coach fares). Some non-US carries (particularly Pacific rim carriers like Thai Air, Singapore Air, Air Nippon etc) have more liberal policies in this regard, but generally you lose some money. And if you fly coach, there are very few conditions under which a refund would be forthcoming regardless of carrier. My advice is to SAVE the money you would pay for trip insurance. Every few years you'll have saved enough to treat yourself to a better vacation -- maybe even a "free" one. I used to believe this to be savvy policy, then I got ill two days before a two week trip to the Solomons. Even considering premiums not paid on past trips I still took a considerable loss. In this case trip insurance would have been a good idea, in all other cases I would have paid for coverage not utilized. Basically it's a crapshoot. But whether or not you do buy it, it's still a crapshoot played with your own money....the only questions is how much do you want to play with: the cost of your vacation or the cost of the insurance. And if you travel a lot you never get to know if your loss will come on a $ 15,000.00 3 week vacation to Europe, or on a $ 800.00 Apple Vacation to Puerto Vallarta. |
#22
|
|||
|
|||
Hurricane Season 2004--please read
"Charlie Hammond" wrote in message ... In article t, (snip) Also keep in mind that you will probably NOT loose all of your vacation money. Most resorts and airlines will (inspite of the original posters statements) make a full or partial refund under most conditions -- certainly if a hurrican makes thier providing the contracted services impossible. My advice is to SAVE the money you would pay for trip insurance. Every few years you'll have saved enough to treat yourself to a better vacation -- maybe even a "free" one. I hear you and generally follow that route. However, on my last trip, there was quite a bit of travelling involved, a number of different destinations included. I wanted to make sure that I had travel interruption insurance. |
#23
|
|||
|
|||
Hurricane Season 2004--please read
|
#24
|
|||
|
|||
Hurricane Season 2004--please read
In article t,
"Skip Elliott Bowman" writes: With all due respect, I disagree. If I understand you correctly, should people save for twice as much as their vacation should cost? ... However did you get that out of what I wrote? ... Airlines are not responsible for cancellations due to inclement weather, and hurricanes qualify as inclement weather. They may refund your money but legally they aren't obligated to do so. Legalities aside, my experience is that airlines will issue a credit for future travel for pretty much ANY reason. Your risk here is around US$50-100 per person. We take far too much for granted, and vacations are supposed to be memorable not traumatic. IMHO Insuring a vacation to the tropics, especially during hurricane season, is prudent at the very least. Obvioiusly, opinions differ. Mine is that the amount you pay for such insurance is not worth it. -- Charlie Hammond -- Hewlett-Packard Company -- Ft Lauderdale FL USA -- remove "@not" when replying) All opinions expressed are my own and not necessarily my employer's. |
#25
|
|||
|
|||
Hurricane Season 2004--please read
|
#26
|
|||
|
|||
Hurricane Season 2004--please read
I got an "A" for Breasts 101 from the High School football team. Oh, yeah, sure, look down your monitor to catch a peek. On 18 May 2004 23:27:13 -0700, (Salty) wrote: You say, "Look down your monitor to catch a peek." Let me clarify here. You're saying look ** down ** ?? You're sagging that damn much ??!! No I am sitting down. Yikes !! I think I'll pass on your sagging Breast 101. Thanks anyway. Anyone whose boobs are over 35, or has had children, that aren't sagging, bought them. |
#27
|
|||
|
|||
Hurricane Season 2004--please read
In article , "Jess Englewood"
wrote: I used to believe this to be savvy policy, then I got ill two days before a two week trip to the Solomons. Even considering premiums not paid on past trips I still took a considerable loss. In this case trip insurance would have been a good idea, in all other cases I would have paid for coverage not utilized. My wife and figured out and if we have to cancel only 1 out of every 7 trips, we break even. The nice thing about insurance is if I have to cancel out the Christmas trip, then I have the money to replace it at Spring Break. If I don't, I don't. -- "No" Amy Carter when asked if she had a message for the children of America. |
#28
|
|||
|
|||
Hurricane Season 2004--please read
|
#29
|
|||
|
|||
Hurricane Season 2004--please read
On 05/19/2004 12:10 PM Charlie Hammond plucked Senior Frog's Magic
Twanger and said: In article t, "Skip Elliott Bowman" writes: Hurricane season is June 1 through November 30, with most gales forming mid-July through November. While this is no reason not to go or to cancel existing plans, a prudent option would be to hedge your plans with insurance. [emphasis added] THERE ARE SEVERAL DIFFERENT POLICIES AVAILABLE AND ALL ARE A LOT CHEAPER THAN HAVING TO LOSE YOUR $$ OR YOUR VACATION. I'm sorry to point out that this last is not correct. Casualty insurance alwasy cost more than it pays out. This is becasue it has to pay sales commissions and other business expences in addition to what it pays out. Insurance companies make money. Because of this, the general rule is NOT to insure any loss you can afford to sustain. Well, if you can't afford the cost of your vacation, then stay home. Also keep in mind that you will probably NOT loose all of your vacation money. Most resorts and airlines will (inspite of the original posters statements) make a full or partial refund under most conditions -- certainly if a hurrican makes thier providing the contracted services impossible. My advice is to SAVE the money you would pay for trip insurance. Every few years you'll have saved enough to treat yourself to a better vacation -- maybe even a "free" one. My sister is an experienced travel agent. Airfare comes under "Act of God" in the situation of a hurricane. If you miss your flight due to a hurricane, there is no refund. It's not the airline's fault that a hurricane prevented the flight from taking place. Likewise for any connecting flights missed. If you are at your destination when a hurricane strikes, the airline may choose to reaccomdate you with a flight at their convenience after the storm. Essentially, you are flying "standby". Most trip insurance usually has an "Act of God" clause also. If you buy trip insurance, always read the fine print to see what is covered and what is not. -- ________ To email me, Edit "xt" from my email address. Brian M. Kochera "Some mistakes are too much fun to only make once!" View My Web Page: http://home.earthlink.net/~brian1951 |
#30
|
|||
|
|||
Hurricane Season 2004--please read
"Charlie Hammond" wrote in message ... O.K., opinions differ on whether trip insurance is good or worthless. But there is another question lurking he Should hurricane season or predictions be a factor in your choice to purchase trip insurance? My answer is no. Even in the hight of a bad hurricane season, the chances that a particular location will have a hurricane in a particular 7-10 day span remains very low. So I would say, if yoy like trip insurance, but it; if you don't, don't. But don't base your decision on hurricane predictions. -- Exactly MY point. After traveling for decades I have seen bad conditions once or twice. Take it for what it is. If I insured each trip I would have paid bigtime. Should anyone listen to the Evening News style of weather reporting telling the worst possible condition and to alter their trip because of it? NO. Has anyone ever canceled a well planned trip due to a springtime hurricane season report? I don't think so. I live in the north east of America where we hear of pending doom due to bloated snow reports each season. Does it change my life style? NOT. Once again I ask has anyone ever heard of a MILD hurricane season approaching? Now they are trying to scare everyone with the GLOBAL WARMING effect being the cause. Just relax and get on with your life. Sam |
Thread Tools | |
Display Modes | |
|
|
Similar Threads | ||||
Thread | Thread Starter | Forum | Replies | Last Post |
Hurricane Season 2004--please read | Reef Fish | Caribbean | 2 | May 31st, 2004 11:43 PM |
Spreading Santorum | MakeIt | Air travel | 10 | February 1st, 2004 05:40 PM |
Queen names luxury ocean liner | Earl Evleth | Europe | 12 | January 11th, 2004 06:22 AM |
RCL Major 2004 Changes! | Ray Goldenberg | Cruises | 0 | October 13th, 2003 03:37 PM |