IT'S NOT CLEAR WHAT KIND OF
CONDITION THAT BOY IS NOW,
BECAUSE HIS FAMILY HAS ASKED
FOR PRIVACY.
FROM A WEEKEND GETAWAY TO
THE TRIP OF A LIFETIME.
YOU COULD BE THROWING YOUR HARD
EARNED MONEY AWAY IF YOU HAVE
TO CANCEL, AND DIDN'T OPT FOR
THE TRIP INSURANCE.
IT'S A GAMBLE, BUT IS THAT
INSURANCE ALWAYS WORTH THE
MONEY?
THE BIG QUESTION, OF COURSE, IS
THE INSURANCE WORTH IT?
I ALWAYS KIND OF FEEL MIXED
EMOTIONS WHEN I HAVE TO BOOK A
TRIP, OR BOOK A FLIGHT.
WHAT'S THE DEAL?
THE ANSWER, JEN, IS THAT
IT'S NOT ALWAYS WORTH IT.
YOU DO HAVE TO CONSIDER A LOT
HERE.
EVERY SITUATION, AND EVERY
POLICY IS DIFFERENT.
WHILE IT'S NOT ALWAYS WORTH IT,
YOU'RE TAKING A GAMBLE.
WHEN YOU LOSE, IT CAN REALLY
HURT.
SUSAN AND WAYNE ENJOY CRUISING
SO MUCH, THEY BOOKED A
SPONTANEOUS TRIP FOR THEIR 33rd
WEDDING ANNIVERSARY.
AN 11 DAY CARIBBEAN CRUISE.
WE WERE REALLY EXCITED.
Reporter: JUST ONE WEEK
AFTER THEY BOOKED THE $9,000
CRUISE, SUSAN DIDN'T FEEL WELL,
AND WENT TO THE DOCTOR.
SHE GOT LIFE CHANGING NEWS.
THAT'S WHEN WE GOT THE
RESULTS OF THE CAT SCAN.
WE GOT THE DIAGNOSIS OF STAGE 4
OVARIAN CANCER.
Reporter: SUSAN'S DOCTOR
RECOMMENDED IMMEDIATE
AGGRESSIVE TREATMENT.
KNOWING SHE WOULDN'T BE ABLE TO
CRUISE, SHE CALLED NORWEGIAN
CRUISE LINES TO CANCER.
NO, IT WAS HARDCORE.
NOPE, SORRY, YOU'RE OUT OF
LUCK, BYE.
Reporter: THEY SKIPPED THE
TRAVEL INSURANCE, BECAUSE THEY
WERE SAILING IN JUST THREE
WEEKS.
WE WERE GOING.
THERE WASN'T A REASON TO TAKE
OUT THE INSURANCE.
IT SEEMED LIKE A WASTE OF MONEY
TO ME.
Reporter: THE RISELIES,
TRAVEL EXPERTS WARN ARE A PRIME
EXAMPLE OF WHY YOU SHOULD
CONSIDER BUYING TRIP INSURANCE.
A TRAVEL INSURANCE COMPARISON
COMPANY IN ST. PETERSBURG.
SHOULD YOU ALWAYS BUY TRAVEL
INSURANCE?
TOTALLY DEPENDS ON THE
SITUATION.
WE GET CUSTOMERS THAT CALL US
ALL THE TIME, AND SAY, WE JUST
WANT A POLICY FOR ANYTHING THAT
COULD ALWAYS COME UP.
WE ALWAYS STOP THEM.
IT'S NOT GOING TO COVER
EVERYTHING IN THE WHOLE WORLD.
Reporter: STANDARD COVERAGE
INCLUDES FAMILY EMERGENCIES, A
SUDDEN MEDICAL PROBLEM OR DEATH
IN A FAMILY.
IT ALSO COVERS AN AIRLINE
STRIKE, OR TERRORISM.
THERE'S A CATCH.
IF YOU CANCEL FOR SOMETHING NOT
COVERED BY THE STANDARD POLICY,
YOU CAN ONLY GET BACK 75% OF
THE TRIP.
YOUR CANCELATION WILL BE
QUESTIONED.
IF IT'S A MEDICAL THING,
THEY'RE GOING TO LOOK INTO YOUR
MEDICAL RECORDS.
IF IT'S A STORM THEY'RE GOING
TO LOOK AND SEE WHEN THAT STORM
WAS NAMED.
Reporter: AS FOR SUSAN, SHE
UNDERSTANDS WHY SHE LOST HER
MONEY, BUT THINKS THERE SHOULD
BE SOME HELP IN EXTREME CASES.
IT STILL MAKES ME ANGRY THAT
THERE IS NO RECOURSE IN THIS
KIND OF SCENARIO.
Reporter: SUSAN EVEN ASKED
NORWEGIAN IF SHE COULD GIVE THE
CRUISE TO A FRIEND, NOT ONLY
WAS THE ANSWER NO, SHE SAYS THE
CRUISE LINE ENDED UP REBOOKING
HER TRIP, GETTING PAID FOR THE
TRIP A SECOND TIME.
I WAS EMAILED A STATEMENT THAT
SAID THIS IS AN EXAMPLE OF WHY
IT'S SO IMPORTANT, IN THEIR
OPINION, TO GET THE TRIP
INSURANCE.
I HAVETO POINT OUT, IT'S NOT
JUST NORWEGIAN, ALL THE CRUISE
LINES HAVE A STRICT POLICY WITH
THIS.
THEY DO SAY THIS IS WHY YOU
HAVE TO GET THE INSURANCE.
I GET IT.
WHERE DO YOU START MAKING THE
DECISION ABOUT WHAT ILLNESS IS
SEVERE ENOUGH TO GET THE
REFUND.
WHEN EXACTLY IS IT WORTH IT VS.
NOT WORTH IT?
HOW DO YOU REALLY BREAK IT
DOWN?
IT'S STILL REALLY TRICKY,
JEN.
THE EXPERT WE TALKED TO SAID
YOU HAD TO LOOK AT THE PRICE
AND YOUR TRIP.
IF IT'S A LAST MINUTE, IT
REALLY MIGHT NOT BE WORTH IT.
YOU ALSO HAVE TO LOOK AT WHAT
YOU'RE CONCERNED ABOUT.
IF THE POLICY DOESN'T COVER
THAT, IT'S NOT GOING TO HELP
YOU.
FOR EXAMPLE, IF YOU HAVE AN
ISSUE WITH PREGNANCY, YOU MIGHT
NOT BE COVERED.
$700 FOR A POLICY IS A LOT
OF MONEY.
SO PEOPLE HAVE TO THINK
CAREFULLY.
IT IS.
ABSOLUTELY.
WE KNOW MANY OF YOU STILL
HAVE A LOT OF QUESTIONS.
SHANNON AND OUR TRAVEL EXPERT
WANT TO ANSWER AS MANY AS THEY
CAN.