I am travelling with Aurora on Polar Pioneer to South Georgia and Antarctica in January, disembarking at Falklands. I will meet my husband there (he has no desire to "do" Antarctica, silly man!) for a week's stay, and we then go on to Easter Island, followed by Chilean vineyards for a further 10 days.
As you can imagine, this is a pretty expensive trip (our Silver Wedding celebration), especially as I have "splurged" on single cabin occupancy - I have shared with strangers in the past, and prefer not to. Our Annual travel insurance policy have confirmed that they will cover all the medical and evacuation costs. Unfortunately their limit on cancellation costs are only a fraction of what we have paid. Additionally they would only pay £600 costs "missed departure" costs, should unforeseen travel delays cause me to miss the ship's departure (despite allowing what should be sufficient leeway in my travel days). This would not go far to cover my hotel and subsistence costs whilst waiting 17 days for my husband to arrive. They would pay for the flights to get me from Ushuaia to Port Stanley, but not for me to return to the UK and fly out again with my husband - assuming I could get a flight for that day!
Does anybody have a suggestion of a insurance company in the UK that would give us better cover for the trip cancellation, and missed departure, costs - as well as being adequate for the medical and evacuation concerns? Ours considers it to be 1 trip as we don't return to the UK, so their maximum is £5000 per person. That would be almost enough to cover the Falklands onwards part of the trip, but nothing towards the £17,000 I would have lost for the cruise.
Any ideas of a company that would allow a better policy for me would be much appreciated.