The chimney bricks got wacked into the backyard like the tree was playing T-ball. Smooshed the furnace in the attic and jostled the pipes so much we had 4 gas leaks.
Needless to say, we had to skip the day in MK and the cruise. We had already paid for the dining plan and were starving so we figured might as well eat a good breakfast. I spent most of the breakfast calling my dad to go check on ds19 and help him gather some clothes and our cat The police & firemen came to the house because of the damage to gas & electric to meet our utility company and shut it all down. While this was happening (around 10am) I was changing our flights to 2:30 that afternoon.
We grabbed a cab back to BWV and packed in record time, checked out and grabbed a cab to MCO. While waiting at the gate, we normally would be eating lunch but instead dh called our tree guy and a general contractor while I called our homeowners insurance.
Ds15 says that was the most expensive breakfast ever. (12 hours in WDW spent just to sleep and eat bf).
Wow, I remember reading your story in the debt dumpers thread. So glad your ds was safe! We are like neighbors...lol.. I live in Voorhees. I believe you live in Haddon township or somewhere around there. I bought trip insurance for our 3 night dream cruise coming up in August. It's hurricane season so it was a no brainier. This time I was waffling with the Bermuda cruise.. Bermuda is not like Haiti. Plus it's May, it's not like the weather is likely to be bad. After reading this thread, I decided to go ahead and buy. If only for the peace of mind. Thanks for all of your sage advice.Stuff happens. Back in March we had a 3 nt Disney cruise with 2 nts stay at BWV, with 1 day at MK where we planned to meet up with our friends and cruise together. We never even got to MK. After flying down after school, getting to BWV around 10 pm, we slept then went to breakfast at Ohana. While waiting for our table, we got a call from a neighbor asking if we were ok. Dh laughed and said "Sure, we're in Disney World!"
A huge tree had fallen on our house, pretty much slicing it half, falling so hard the branches coming down through the kitchen ceiling pierced our fridge door, taking it right off the hinges.
Ds19 was home and thought it was an earthquake. He didn't even realize the full extent of the damage or what really happened and didn't want to bother us on vacation.
The neighbor took several pics and texted them to dh.
When Mickey came to our table, I recall even being slightly annoyed that he interrupted me, but tried not to show it.
While on the plane going home, I wished dh a happy birthday.
Anyway to make a long story short, we have done several big, expensive cruises in the past and since this was just a quickie, 3-nt I didn't bother getting insurance. Well, I never will do that again. My TA did go to bat for us with DCL to try to get a credit for a future cruise and we had to write a letter explaining everything. I had to fax them a copy of the insurance report, like 30 pages long and over $60k in damage, not including the cost of living in a hotel for 6 weeks.
This was to be our 18th Disney cruise and I guess they felt sorry for us because they did eventually give us a credit but they really didn't have to. We were soooo grateful that they did, with that credit we booked a 7 nt in August. So their good will still comes back to them; they still make their money back and we're all happy.
I absolutely bought trip insurance this time.
From your original post, it looks like you are most concerned about a possible cancellation due to the health of a family member who is NOT traveling with you. This is one area where the coverage of different policies can vary significantly, as some policies will not provide coverage if the health issue causing the cancellation or delay is a pre-existing condition, while others will not even ask (which also means you shouldn't have to provide as many stacks of health records for that non-traveling family member).thank you all so much! Our airline tickets were quite expensive (going to Europe family of 5). Our hotel can be canceled up to 24 hours ahead of time. And a few tours I booked are also able to be canceled 24 hours ahead of time. But the unexpected doesn't happen on a schedule
I looked at the link suggested and Travelex looks best for us and it is a known name so I'll most likely go with that one.
We were without power for 1 week. I also now work down the shore so it would impact me big time!
Wow, we didn't lose power but some of our schools did and there were just too many trees down in streets for kids to be out walking and school buses trying to get around them all.
They seem to say this every year. Regardless, I wouldn't cruise anytime without insurance. Medical evacuation is very expensive.
