Sometimes our travel plans are interrupted for various reasons, such as personal or family illness, or something unforeseen crops up making travelling on a booked departure date impossible. This can leave travellers out of pocket as it’s common practice for tour companies, airlines or hotels to require non-refundable payment in advance to confirm a reservation.
Like us at MoaTours, most tour companies nowadays require a non-refundable deposit to secure your booking and full payment of your fare is usually due 60 to 90 days prior to travel commencing. If you choose not to take out insurance and have to cancel your holiday, the deposit or even full fare could be lost.
No-one likes to charge cancellation fees for a trip that has to be cancelled, but businesses need to do this as they have wages and other costs which still need to be paid. If you have to cancel your travel at some point you may think that it's mean of the business to charge you a fee, especially if it's for something health related, but a reputable company will make their cancellation policy clear to you at the time of booking. When you make you're booking you are entering into a contract and you agree to these terms. In order to protect yourself from the loss of deposits or payments made in advance all travellers on group tours should have travel insurance.
Probably the biggest single reason to have domestic travel insurance is to cover yourself for cancellation and we strongly recommend insurance to all our guests.