Trip Insurance

Discussion in 'Before & After the Hunt' started by Second Wind, Jul 12, 2012.

  1. Second Wind

    Second Wind AH Enthusiast

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    Okay gents, I am getting down to the real fine points on this expedition

    So, with regards to trip cancellation insurance or basically trip insurance

    They ask for a "price of the trip" and I am unsure how to value this

    best as I can break it down is this way

    Air fare

    Day rate

    Trophy fees

    Other assorted Fees (gun, transfers, charters etc)

    Dip and Pack

    Ship

    other insurance

    Now realistically, if the world stopped, I would be out

    Air fare
    Deposit on hunt
    various fees, insurance (guns, medevac ets)

    Is that the value I insure for

    just hard to figure what to insure for and of course what the carrier would pay for

    I was thinking that the worst that could possibly happen is that you put a deposit down and fly over there and the PH never shows

    Anyway, I sure would value some input and suggestion

    Thanks
     
  2. BRICKBURN

    BRICKBURN SUPER MODERATOR CONTRIBUTOR GOLD BENEFACTOR AH Ambassador

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    Insurance will reimburse the non-refundable prepaid travel arrangements, if you must cancel your trip before departure.

    Your real world scenario is a little more likely to be covered.


    look at the complete details on benefits, conditions, limitations and exclusions.

    My favourite part, the small print.

    Have fun shopping for insurance.
     
  3. Second Wind

    Second Wind AH Enthusiast

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    hmmm....shopping for insurance

    wanna guess where that ranks on my list of enjoyable tasks

    let's see I think

    right behind an ice water enema

    and just ahead of dinner with Nancy Pelosi
     
  4. Diamondhitch

    Diamondhitch AH Legend

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    So is it a tie with an ice water enema given by Nancy Pelosi?

    IMO considering how little they really cover minus deductables etc. on something of this value, insurance is a waste of money. Especially if you go on alot of trips, it doesnt take long for insurance premiums to surpass the recoverable amount of 1 bad trip.
     
  5. Second Wind

    Second Wind AH Enthusiast

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    Diamondhitch

    After reading the fine print I think you may be right

    Seems like trip insurance is kind of a mugs game

    If you check things out as best as you can I think at some point you have to toss it to the wind and trust to luck

    The real problem I see is that they ask you to value the trip and then price it based on that and then turn around and in the event of a claim pay only what they have to, after the deductible of course

    Think I am going to pass
     
  6. Second Wind

    Second Wind AH Enthusiast

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    oh, and yes, an ice water enema give by Nancy Pelosi over dinner is pretty much a direct equivalent
     
  7. Diamondhitch

    Diamondhitch AH Legend

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    I am at the point where unless I am legally obligated, financially motivated (home insurance) or I need to cover my a$$ Liability wise, I will not stoop to buy insurance.
     
  8. spike.t

    spike.t GOLD SUPPORTER AH Legend

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    i have an annual travel policy that covers myself, wife and son. this includes cancellations, medical, personal property, winter sports, and maybe things i cant remember. i think its about the equivalent of us$450.00. this is a lot cheaper here than buying for each trip , or even 1 winter sports holiday. fine print , the main one is they dont pay out if the problem is caused by an act of terrorism...
     
  9. enysse

    enysse AH Ambassador

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    I totally agree with you!
     
  10. lwaters

    lwaters BRONZE SUPPORTER AH Veteran

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    I toke out insurance on my trip to Namibia. When I go back I will insure only the flight. I found out later that my health insurance covered me over there. The place I hunted at said when I come back just get the cheapest flight I can get and let him know. He said he could be real flexible on the dates. I could have been taken to a hospital alot quiker in Namibia than when I hunted elk in the Bridger Wilderness of Wyoming.
     

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