If you saw what I saw, you would take the travel insurance. Before working in the travel industry, I always thought that the optional travel insurances offered by airlines and tour operators were something of a racket, but spending years in the industry changed my mind. Here are some dilemmas: I had a client whose appendix burst 2 days before she was to leave for Germany. I had a client whose child had a medical emergency while they were on a cruise ship. I've had a client get sick while on a trip to Costa Rica and another fall on a trip and couldn't continue on. Thanks to travel insurance, none of these sudden emergencies translated into a financial crisis. You may not get ill, but someone in your family may, a natural disaster occur, or the weather just not cooperate. Budget for the travel insurance ahead of time. For clients that are outright persistent against the insurance I would say, “Can you afford to lose x amount? If the answer is no, you may want to reconsider.” Use this test for yourself as well.
Judy Peterson promotes "Special Events At Sea." If you have your own niche, I'll show you how to be the leader of your own Event At Sea. Sail to exotic ports of call while you and your guests network in the Caribbean instead of a costly