Travel insurance, is it worth it?

We have always done travel insurance when travelling or working overseas, never had to use it thank goodness.

A few days ago we left on a weeks cruise (hence no blog posts as no internet). Our Daughter in laws parents were also booked on the same cruise. We saw them as we were boarding and said that we would catch up with them once on board. They and son's family had an earlier boarding time than us.

We got to our room, unpacked and read the notices then went to lunch. First person we saw was Barry, who said to join them for lunch even though they had almost finished. We got our lunch and sat down, they were talking about having a rest before muster (the safety talk with life jackets) when Barry felt faint. Nola asked me to take the boys away while they sorted Barry out.

Medics were called and it was decided that he should go to hospital and they were taken off the boat. From the time of having lunch and departing was one and a half hours.

Our son and daughter in law did stay on the cruise and they got the account for the medical treatment/assistance for her father, it was $800! He was stable the next day and had to have bed rest for a few days. They think it was the stress of getting ready to go etc.

On the cruise for less than an hour, I don't know how much they will receive back form their travel insurance but definitely worth having it in my opinion.

Sunset Cruise

We booked and paid for this cruise for yesterday evening, it was called the Pre dinner cruise. Could do one at 3.45pm, ours at 6.15pm or the night one at 7.30pm. We picked the Pre dinner as we thought that we would see things in daylight but although get some of the night scenes as well. Also if we were to take the earlier one it was half way through the football and Warren's Hawks were playing (they won btw)

We had previously booked tours with Jason at the tour desk but Karen was working when we booked this one, her English was not quite as good as Jason's. He told us that he had worked and studied in Perth for five years.

Our instructions from Karen was to be at the clock tower at 6.10 and someone would collect us and take us and our tickets to the boat. We did a trail run and it would take us ten minutes to walk there, really only two blocks but there was a main road to get across and that had to be done to two goes.

Left the hotel at 5.55 arriving at 6.05 and waited and waited and waited until 6.45pm. We walked back to the hotel and went to the tour desk, a different guy was on. He rang the company and told us to wait. At 7.30pm he told us that he could not get anyone in the company and to come back in the morning. Grr! We left to get something to eat but I had left most of the money in the room as I didnt want to go out with too much on me. We had changed money earlier as it would cost 290 to go the airport by taxi, 150 each on the bus.

Checked out a few restaurants but quite exp and didnt look appealing so we went to M&S and bought some supplies and took back. Thought it would be nice to have a picnic on the waterside so we gave the hotel a miss and kept walking. Lots of people there and we wondered why, soon found out. It was a laser show, all the buildings over on Hong Kong Island light up to music and we were just in time. Sat on a flower bed, ate a hot cross bun and watched.

Walking back into the hotel, the tour desk guy came over and told us that our money for the cruise would be refunded to us if we came to see him in the morning after 9.30pm.