We share the cost of the boat with the rest of our crew. We have had a few times when one or two of our crew has wanted
to back out of the trip at the last minute. With the trip insurance, the rest of the crew is covered. We tell the backing out crew that they can
file a claim with the trip insurance company, and if they have a covered reason for changing their mind, they will get their deposit back.
It's not fair for everyone else to pay more because someone changes their mind. In the event of a true emergency, everyone is covered!