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Charter Trip Travel Insurance Cost
#198770
06/27/2019 05:40 PM
06/27/2019 05:40 PM
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Joined: Oct 2007
Posts: 348 Pittsburgh, PA
Schwendy
OP
Traveler
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OP
Traveler
Joined: Oct 2007
Posts: 348
Pittsburgh, PA
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Say that 3 times after a couple of painkillers. Does anyone have a ballpark figure what trip insurance runs for a week charter? I know there are many factors that affect the quote, just looking for an idea. I reside in Pennsylvania, will be on a Mooring's 514pc for a week October 18-27, charter cost roughly $9,700 and flight cost for both my wife and I came to $1,400. I know Mooring's has a plan thru them which I haven't investigated yet. I believe they write the policy through AIG. I called AIG directly and their lowest quote is $179 which isn't bad for basic flight, boat, weather and medical. They won't write a policy that just covers me as captain that includes the crew, there are 8 of us total. Each person or couple would have to get their own policies. I thought if I could be covered for the whole boat cost then if I couldn't go no one can but I'd be able to reimburse everyone. Didn't know if anyone bought Mooring's policy and it was more all inclusive?
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Re: Charter Trip Travel Insurance Cost
[Re: bailau]
#198827
06/28/2019 01:43 PM
06/28/2019 01:43 PM
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Joined: Aug 2000
Posts: 83,552 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 83,552
Central Florida!
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Medical evac is EXTREMELY expensive, say at least $50,000.00. Stuff happens, regardless of how old or young you are. And if nothing else, everyone should have medical evac insurance, I think, as if you need it, you need it! And try to get a policy that provides PRIMARY insurance. What that means is that the insurance will pay UP FRONT, and you don't have to pay up front and wait (and hope!) for payment back from the insurance company. I don't know about you, but I would be hard pressed to come up with $50,000 overnight. Here is a link to a FAQ that I did with general information regarding trip insurance.
Last edited by Carol_Hill; 06/28/2019 01:47 PM.
Carol Hill
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Re: Charter Trip Travel Insurance Cost
[Re: BreckSailor]
#200859
07/24/2019 01:11 PM
07/24/2019 01:11 PM
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Joined: Apr 2013
Posts: 381
dayhiker
Traveler
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Traveler
Joined: Apr 2013
Posts: 381
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Dayhiker - if you please report back here I’d be very interested in knowing how your claim proceeds - good luck.
For what it’s worth, I’m generally opposed to insuring my trips (land, sea, etc) as (1) the chances of trip issues for me are generally low (based upon my actual past experience), and (2) my limited experience with other “similar” policies in the past has been poor with loopholes, etc for insurers to avoid paying claims.
Again, best of luck with your claim and please do update when you have some resolution. So far, I'm still waiting. I sent the medical information to them a month ago. Today I get an email requesting supporting medical documentation and proof of payment. They didn't define what they need for supporting medical documentation. I emailed them back. Considering their 3 week backlog, as I was previously told via phone, it'll be that long at a minimum before I get an answer. I'll call again anyway today. Thus far, I don't recommend John Hancock for travel insurance. My trip was in late May 2019. Initiated the insurance claim in early May.
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