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Have another trip coming up in 2012. With the unstable economy (my job has been somewhat unstable for a year) and some minor health issues I'm thinking about getting some trip insurance. Anyone every buy it, who did you use and did you ever have to use it? | ||
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I bought it once several years ago and didn't use it....haven't use it since. I'm not a big insurance guy. If it gives you comfort,then it's valuable. Bob DRSS DSC SCI NRA & ISRA | |||
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I almost always buy it now a days. With my husband's health issues and our advancing ages, I don't have to worry about making healthy payments to the safari companies...and sleeping at night. I've never had to use it...fortunately. The last time I bought it through SCI sponsored company at: www.huntandtravel.com But I believe I've also bought it through companies arranged by our travel agent (Gracy) or the booking agent. Best regards, D. Nelson | |||
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Insurance is only expensive when you don't need it. The thing with these policies is that they are not all the same. Review them for what they include or exclude before you purchase. | |||
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Have done it both ways, so the answer is "It depends". Depending on your age, health, destination, and financial status it can be a good idea. I always do it for my wifes trips abroad. If the cost is reasonable (about like an impala trophy fee) I'd do it. Sometimes it is nice just to recoup your airline ticket cost, as the hunt can be re-scheduled most times. WWW.TravelGuard.com has been great to work with, and prices have been very good. | |||
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it's cheap and worth every penny if you need it. I think it's money well spent. | |||
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The thing with these is as Larry said, they are all different. I will say I haven't brought it before. Whenever I read the fine print, it looks like anything that would cancel my trip is excluded (wars, terrorist attacks, governmental acts such as the country involved or the US banning hunting or import, etc.) I assume that there is SOME policy that will cover these things, but I haven't seen it. The other thing is that you have to buy the insurance when you make the first payment generally. As an example, a Tanzanian hunt. The whole cost is $100,000. But you pay when the company wants payments made, what do you insure it at? the whole cost of the trip? If it gets cancelled early, you may have paid 25%, but since you had to cover the whole trip you paid the whole premium...and you only get 25% back. But you can't pay as you go because you have to buy the insurance when you make the first payment. And they want more the further out it is. Gracy wanted me to pay insurance for the flight. That kind of made sense, until I figured how much I was already out for the whole trip, and the $500/bag replacement value is meaningless with guns. In short, unless your insurance addresses all of the issues, you really are paying someone to give you back pennies on the dollar. (or reschedule a flight at a point when its meaningless to you....) Read the fine print. If you have health issues, or a close family member does, that's really the only thing I can see any value to trip insurance. Now, insuring the guns, getting evacuation insurance, health insurance, and the like is a different matter. | |||
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Read the fine print and also read what the exclusions are. For example, I canceled a trip to Zim in 2000 because things were starting to get bad. I spent weeks arguing with insurance company about when the first official State Department Advisory came out warning US citizens versus general information in the public domain versus when I bought the insurance. Mike Never under estimate the internet community's ability to reply to your post with their personal rant about their tangentially related, single occurrence issue.  What I have learned on AR, since 2001: 1. The proper answer to: Where is the best place in town to get a steak dinner? is…You should go to Mel's Diner and get the fried chicken. 2. Big game animals can tell the difference between .015 of an inch in diameter, 15 grains of bullet weight, and 150 fps. 3. There is a difference in the performance of two identical projectiles launched at the same velocity if they came from different cartridges. 4. While a double rifle is the perfect DGR, every 375HH bolt gun needs to be modified to carry at least 5 down. 5. While a floor plate and detachable box magazine both use a mechanical latch, only the floor plate latch is reliable. Disregard the fact that every modern military rifle uses a detachable box magazine. 6. The Remington 700 is unreliable regardless of the fact it is the basis of the USMC M40 sniper rifle for 40+ years with no changes to the receiver or extractor and is the choice of more military and law enforcement sniper units than any other rifle. 7. PF actions are not suitable for a DGR and it is irrelevant that the M1, M14, M16, & AK47 which were designed for hunting men that can shoot back are all PF actions. 8. 95 deg F in Africa is different than 95 deg F in TX or CA and that is why you must worry about ammunition temperature in Africa (even though most safaris take place in winter) but not in TX or in CA. 9. The size of a ding in a gun's finish doesn't matter, what matters is whether it’s a safe ding or not. 10. 1 in a row is a trend, 2 in a row is statistically significant, and 3 in a row is an irrefutable fact. 11. Never buy a WSM or RCM cartridge for a safari rifle or your go to rifle in the USA because if they lose your ammo you can't find replacement ammo but don't worry 280 Rem, 338-06, 35 Whelen, and all Weatherby cartridges abound in Africa and back country stores. 12. A well hit animal can run 75 yds. in the open and suddenly drop with no initial blood trail, but the one I shot from 200 yds. away that ran 10 yds. and disappeared into a thicket and was not found was lost because the bullet penciled thru. I am 100% certain of this even though I have no physical evidence. 13. A 300 Win Mag is a 500 yard elk cartridge but a 308 Win is not a 300 yard elk cartridge even though the same bullet is travelling at the same velocity at those respective distances. | |||
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Let me preface this by saying I think most insurance companies are crooks, but my wife thinks all risks in life should be insured. Read the policies closely. The things covered vary greatly. Some of the policies are almost worthless. I really like the one that expected that if one of us was unable to travel because we were hospitalized the other would still go on the trip. DSC Life Member NRA Life Member | |||
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The cost is outrageous compared to the risk IMO. xxxxxxxxxx When considering US based operations of guides/outfitters, check and see if they are NRA members. If not, why support someone who doesn't support us? Consider spending your money elsewhere. NEVER, EVER book a hunt with BLAIR WORLDWIDE HUNTING or JEFF BLAIR. I have come to understand that in hunting, the goal is not the goal but the process. | |||
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