This trip needs travel insurance.
You're literally nuts* if you do it without it.
*Since we're about to be best friends, we'll just be honest.

 
Travel Insurance
 
We have special arrangements with Travel Guard to help you protect yourself with travel insurance.  We picked them because they're the industry's best, and we can work with them directly to help if you have a claim.  (We have claims every year).
 
 
A few reasons why:
  • If your flight into St. Thomas misses the last ferry, you'll eat $300 for a hotel
  • You're booking this a year in advance.  You may end up with a work or family circumstance that makes you cancel.  Protect yourself!
  • We travel in the winter.  There are always storms making a mess in the U.S.
  • If (god forbid), you get hurt, it can cost thousands for a water taxi to the hospital,
    and your medical insurance benefits may suck in the islands.
  • If they lose your bags, island hopping means you may not get them for a week
  • If you're traveling with somebody, and they cancel, you can be screwed over
 
To make it easy, we have embedded the form right below here.  It's so easy that it's scary, and we even give you a "cheat sheet" on how to fill it out.  Doesn't get any easier.

 
Note:  We don't MAKE you get Travel Guard, and you can use your own vendor if you want, but our team will NOT be able to internally support claims from other companies, and cannot aid your claim, or provide custom documentation due to privacy concerns.  Travel Guard really is fantastic, too.
 

FROM TRAVEL GUARD:

Broad-scope reasons why you should have travel insurance to protect yourself

10 Reasons Travel Insurance Is A Pretty Smart Idea

When you travel, things happen. They just do. But we’re here, ready to be a fantastic travel companion day or night, rain or shine. Here are 10 situations that really happen. And when they do, you’ll be quite happy we have your back.
 

  1. It’s 10PM. You’ve just landed at the airport to catch your connect home. Your family is tired and wants their own beds. But now, you just found out your flight has been cancelled. This isn’t fun. So, who will find you a flight home?
     

  2. You’ve lost your bag. And your bag had your meds. So you need to find your bag ASAP. Who can help you find that bag or refill your emergency prescription?
     

  3. Ah, Europe. You’ve waited to take in all the grandeur new and old. But someone not very nice just stole your passport and wallet. Yikes! You need emergency cash. You need a new passport. You need someone who can get things done fast. Who is that someone?
     

  4. Uh oh. You’re in an accident and the medical treatment you need is not happening way out there. That means a medical evacuation. Are you going to coordinate all of that alone after you’ve been in an accident?
     

  5. Your extended family has been planning the annual reunion for months. But hours before you take off, your sister-in-law gets too sick to go. So everyone decides to cancel. What happens to your non-refundable deposits or pre-payments? Who can help with reimbursement?
     

  6. You arrive in Jamaica, but your luggage doesn't. Who will find it? Who will pay for your travel necessities until you are reunited with your beloved bag? And if it is gone for good (we’re sorry), who will cover all the stuff you just lost?
     

  7. The trip sounded amazing, so you booked it. But then your cruise line, airline or tour operator goes bankrupt. Yes, it happens. So what about the non-refundable expenses? And who can get you to your destination now?
     

  8. You're walking down a historic old street in Rio. It’s amazing. Then suddenly, ouch, you twist your ankle big time. You need a doctor, but not just any doctor. One who preferably understands English. Okay, how will you find this doctor in a city of 6.5 million people?
     

  9. A reality is that terror can strike anywhere. Three weeks before your trip, an incident occurs where you are headed. Maybe you still go. Or maybe you decide to cancel your trip. If you do, who is going to get your money back?
     

  10. Sun. Sand. Water. There’s nothing like the serenity of a beach resort. Unless a hurricane blows through and spoils the fun. Now, you can’t stay in the resort and need to be evacuated out. Who gets you out? Who reimburses you for the lost beach days?

FROM THE GAY ARMADA

Specific reasons why this trip is unlike almost any other, and badly needs insurance

10 Reasons Travel Insurance Is an Absolute Must-Have

When you travel, things happen. They just do. But we’re here, ready to be a fantastic travel companion day or night, rain or shine. Here are 10 situations that really happen. And when they do, you’ll be quite happy we have your back.
 

  1. Unfortunately, the trip is a long way off!   Work issues, financial emergencies, family illnesses or deaths, relationships starting (or ending), unexpected weddings, new jobs, lost jobs, car accidents... all of these can cause you to unexpectedly not be able to do the trip six months from now, and are totally unpredictable.  
     

  2. Because of how our money has to flow to the charter company and we have such a large group, this trip is 100% non-refundable  (We have no choice) and to "eat" a $1600 loss (typically $2K with airfare)  if you cant come is rough.  Even worse, people will make a stink, but we all know there's nothing we can do if they cancel.  With travel insurance, your out of pocket expenses are 100% protected.
     

  3. We travel in February, at the riskiest, worst time for U.S. snowstorms, which can cancel flights and leave you late or stranded.  One year, .
     

  4. Ah, Europe. You’ve waited to take in all the grandeur new and old. But someone not very nice just stole your passport and wallet. Yikes! You need emergency cash. You need a new passport. You need someone who can get things done fast. Who is that someone?
     

  5. Uh oh. You’re in an accident and the medical treatment you need is not happening way out there. That means a medical evacuation. Are you going to coordinate all of that alone after you’ve been in an accident?
     

  6. You’ve lost your bag. And your bag had your meds. So you need to find your bag ASAP. Who can help you find that bag or refill your emergency prescription?

  7. You arrive in Jamaica, but your luggage doesn't. Who will find it? Who will pay for your travel necessities until you are reunited with your beloved bag? And if it is gone for good (we’re sorry), who will cover all the stuff you just lost?
     

  8. The trip sounded amazing, so you booked it. But then your cruise line, airline or tour operator goes bankrupt. Yes, it happens. So what about the non-refundable expenses? And who can get you to your destination now?
     

  9. You're walking down a historic old street in Rio. It’s amazing. Then suddenly, ouch, you twist your ankle big time. You need a doctor, but not just any doctor. One who preferably understands English. Okay, how will you find this doctor in a city of 6.5 million people?
     

  10. A reality is that terror can strike anywhere. Three weeks before your trip, an incident occurs where you are headed. Maybe you still go. Or maybe you decide to cancel your trip. If you do, who is going to get your money back?
     

  11. Sun. Sand. Water. There’s nothing like the serenity of a beach resort. Unless a hurricane blows through and spoils the fun. Now, you can’t stay in the resort and need to be evacuated out. Who gets you out? Who reimburses you for the lost beach days?

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