That presumes that there is flexibility in return time that does not affect your earning capability.If you get insurance the financial side shouldn't be steep at all.
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That presumes that there is flexibility in return time that does not affect your earning capability.If you get insurance the financial side shouldn't be steep at all.
I was responding to:That presumes that there is flexibility in return time that does not affect your earning capability.
pay thousands to not get your trip plus stuck in a hotel for indeterminate time.
Umm… that post was not a response to the post that I replied to?Did you miss this post?
There's also the issue of understanding the specifics of the policy. I was recently reading up a bit on DAN's trip insurance (which is different than the medical insurance one generally buys with them). There are different tiers. The big questions are:Understood that insurance could pick up some or all of the tab though any money spent on insurance increases the cost.
It does increase the cost but to me it is worth 5% or so when Im putting my money down. It'll of course cost more if you go for CFAR.Understood that insurance could pick up some or all of the tab though any money spent on insurance increases the cost. Also understood that's the situation we are in.
Any examples to share for insurance cost as percentage of what you are insuring?
DAN has confusing info up regarding covid. I use Generali which I believe is who Dan uses.There's also the issue of understanding the specifics of the policy. I was recently reading up a bit on DAN's trip insurance (which is different than the medical insurance one generally buys with them). There are different tiers. The big questions are:
1.) How far in advance of the trip, or testing positive, does one have to buy the policy?
2.) Does it cover losses from cancelled or rescheduled flights due to COVID-19 or just testing positive for SARS-CoV-2?
3.) Does it cover the cost of extended stay due to quarantine for same?
This depends where you are stuck at; in the Maldives they put you in an island next into a construction site and you are stuck with barely working Internet and 2 channel tv in a tiny room. Good luck working remotely. One of the realities of todays travelling is that you have way more complex worst cases you need to plan ahead.I'd call that risk tolerance and that really depends on your personal situation (work and family commitments and flexibility). For example, It would not be a big deal for me to get stuck for a bit in a destination as I could easily work remotely - however, my wife could not as her job does not allow much remote work at present. That is different than what I interpreted as the original question on responsibility - I took that to mean ability to travel without spreading the virus and possibly making the pandemic situation worse.
I know people catching covid in Socorro. I also have direct experience 3 people testing positive at home right after Maldives LoB. My sister just returned from Galapagos and 2 people in their group got covid on this trip right after coming home. My personal statistics are much more gloomy looking than yours.We are discussing worse case scenario too. In most cases, if you are following Covid protocol whenever possible, statistically you’ll be fine. For example, my trip experiences during this pandemic period. I have been on overseas dive traveling for about 12 times since the pandemic to date, going to Cocos, Socorro, Belize, Maldives, Malpelo, Isla Guadalupe, Bahamas, Palau, and now in Thailand, getting negative Covid-19 swab tests about 20 times (PCR & Antigen).
Each trips the Covid tests are becoming more frequent. I was tested 4 times for going diving in Palau. Thailand is the same. I had to pass 2 negative PCR tests to be in Phuket (1st one was taken within 72 hour before departure and 2nd one was on arrival in Phuket). To day is my 2nd day in Phuket. So I still have to worry about 2 more tests for the rest of the trip. The 3rd one would be on the 5th day after arrival in Phuket. The 4th one would be 1 day before my flying home to Houston.