|Message posté par : Christian Louboutin Shoes le 09/05/2015
Turns out Ron Krivicich's medical condition was preexisting
so a refund was out of the question.
Anne Krivicich said she'd asked Princess about Ron's back problems.
"We were assured that
we could cancel for preexisting medical conditions and receive a full refund,
minus the cost of the insurance,"
I contacted Princess on behalf of the couple.
A cruise line representative called
Anne Krivicich and offered two options:
She could either rebook her cruise within a year
or she could receive a transferable voucher through her insurance,
good for a future Princess sailing.
She says it's unlikely the couple will be able to use either offer.
"On average, most insurance is technically a bad deal,"
says Jonathan Wu, the founder of,
an insurance review site.
That's particularly true of travel insurance, he says.
And he has the numbers to prove it.
Wu reviewed the public filings
for travel insurance companies and found
that many pay a little over half of their premiums toward claims.
The rest of the money goes to commissions,
taxes and a profit margin.
which Wu found eye-opening,
disclosed that 25 percent of a premium goes to commissions.
In other words,
one quarter of every dollar spent
got kicked back to a travel agent
or Web site selling the policy.
"It's no surprise why these types of products
are actively marketed at the point of sale," he says.
Those who sell insurance see it differently.
Bobbie Rae Murphy,
a travel agent who specializes in cruise
and adventure travel in Maineville, Ohio,
says insurance commissions represent a significant portion
of her income - about 5 to 7 percent.
But she views insurance as a win-win proposition:
a source of revenue for her
and a valuable product that can save someone's vacation,
if not their life savings.
"Accidents happen," she says,
"and they can bankrupt you.
I counsel my clients so they can understand the potential for issues,
then suggest that for just a small amount of money,
I can give them peace of mind."
But not all insurance is created equal.
Like many well-traveled industry colleagues (including me),
Murphy buys an annual plan for herself.
Those plans often cover the essentials,
trip interruptions and car rentals.
Prospective travelers encounter other types of "insurance"
that are probably not worth the trouble.
Those can include policies
on rental equipment like skis,
or rental-car insurance that covers more than damage to the vehicle.
summer London fashion week is about to open
creative design and the new classic old competing.Spring/summer 2014 women's clothing series
with the existing main elements of the brand extension,and boldly introduces a new kind of flexible texture,including the grommet,sequins,zippers,
buttons.At the same time,
ranging from leather to georgette series of item.In terms
of the materials of this season,
stylist chooses the crepe DE chine silk,silk georgette,cotton poplin,
cotton gauze,such as lighter and softer materials.This season's designer brings a relaxed,sexy,
wild series.Lazy dress with loose shirts,ruggedly obi is decorated with sequins. Printing
and hand-painted python jackets are attractive bright spot.The Row2014 spring and summer
series is will come from all over The world together different cultural elements:
decorative tassels,elaborately embroidered bodices,exotic printing,
large leaves half moon inclined shoulder bag.
World's four big fashion week, the long-term use of white model already is not only the aesthetic problems,
more involved in discrimination based on race.London fashion
week with white model has been criticized,bridge lack of blacks and other minorities.
The British fashion council letter each big fashion brands,designers consider to adopt more minorities models,reflect on the fashion week accommodate ethnic diversity.