No Insurance – No Sympathy
Written by: Kuki
By Kuki. My Blog this week may seem to be written by a heartless SOB who can’t understand anyone’s pain or difficult circumstances, but I have to say it, even it’s difficult… Cruisers (and all travelers) need to GROW UP!
I just recently returned home to Canada from Scottsdale, Arizona, where I own a condominium. This trip I purchased a bit of a jalopy to leave in my garage, for use when I visit, rather than renting vehicles. When I went to purchase insurance for the vehicle I was advised to buy insurance that would cover me in the event I was in an accident that was the fault of an uninsured driver. It was explained to me that though it is illegal to drive a vehicle in Arizona without insurance, it is not at all uncommon to find people operating uninsured vehicles.
I’d think most readers would agree with me in thinking how utterly irresponsible people are to drive vehicles without insurance.
Yet, how many of those who would agree will book a cruise (or any type of travel) without purchasing available travel insurance. For some strange reason many people seem to think that should “something” bad happen, the responsibility, both financially and morally, should, or will, fall to someone else.
It seems almost constantly we see discussions on our message boards about yet another story in the media sensationalizing reports of cruise passengers being put off the ship in port, with no assistance from the cruise lines because of medical emergencies.
And these threads almost always illicit posts by people who were forced at the last minute to cancel their cruises because they or a family member suddenly took ill, or passed away. I’ve seen some admittedly tragic stories of this nature and it does “tug on your heart strings”. However, it seems far too many, including some of the sensationalizing media, expect the cruise lines to bear the financial responsibility for everyone’s circumstances.
So many speak of the great customer relations the cruise lines can show, by showing they care, and issuing complete refunds to people who have to cancel cruises because of ill health, or a variety of reasons.
We seems to always look to the “deep pockets” of the cruise lines to “do the right thing“. Shouldn’t we ask ourselves why we aren’t responsible for ourselves?
Frankly I think the cruise lines are too soft on these issues. Most have a policy stating — though the policies are stated clearly, if asked, they’ll review each circumstance on a case by case basis. Their ambiguity creates a window of opportunity for people to hope that should something happen they can convince those in control at the cruise lines to assist their particular and “unique” situation.
This of course only serves to blur the line of “what’s right”. The cruise lines instead should be standing firm on their policies, and not fall pray to every sad story. Why? Because insurance is available for purchase which cover most unexpected events, and at a reasonable cost. Many people seem to believe the adage, “it won’t happen to me”. However, even if you’ve just left a doctor’s office after a complete medical exam, there’s no guarantee you won’t get ill, or hit by a car stepping out of the office.
When things do go wrong people understandably feel great stress. Possibly their view of the situation does get blurred by the stress involved, but I have a difficult time pointing to the cruise lines to deal with the financial loss, rather than the victim of the circumstance. I know it feels like that is placing extra burden on people who are often already in a difficult situation, but the fact is it would all be dealt with in orderly fashion IF they HAD purchased proper travel insurance.
Instead, way too many people are willing to throw the dice, and if it turns out snake eyes, turn to the cruise lines to make good on a mistake they themselves made.
That’s my unsympathetic ….
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Posted: September 1st, 2009 under Kuki.