Archive for June, 2015

TRIPPING ON TRAVEL INSURANCE?

Posted in airlines, aquaculture, bahia de los muertos, bahia de los suenos, Baja, Baja Fishing, Baja fishing lures, Baja Life, Baja Mexico Fishing, Baja Rockfish, Cabo San Lucas, cabrilla, camping, car, cerralvo, cerralvo island, charity, charters, chubasco, circle hooks, Dehydration, donations, dorado, driving, east cape, ecotourism, el nino, el sargento, espirito santo, family, farm-raised, fish, fish farming, fish pens, Fishing, fishing blogs, fishing hooks, Fishing lures, fishing packages, fishing reports, Fishing Tackle and Techniques, Fishing techniques, fishing tips, fishing tournaments, fishing trips, fishing videos, flyfishing, freediving, giant squid, green, Heat stroke, highway, history, holidays in mexico, humboldt squid, hurricane, hurricanes, ice chests, inshore fishing, inshore fishing in Baja Mexico, jack crevalle, Jonathan Roldan, kids, kids fishing, La Paz, La Paz Fishing, la ventana, las arenas, Leisure, light tackle, Living in Mexico, los barriles, luggage, marlin, Mexican, Mexican business, Mexican culture, Mexican Independence Day, Mexico, Mexico Christmas, Mexico economy, Mexico life, Mexico neighborhood, missions, outfitters, pack for a purpose, packages, packing, packing fish, panga, Panga Fishing, pargo, passport, planning, pompano, rental car, rentals, road trip, roosterfish, Salt Water Fishing, Salt water lures, San Jose del Cabo, saving money, Sea of Cortez, seafood, sierra, spearfishing, sportfishing, squid fishing, storm, storms, suitcases, Sun stroke, sustainable, Tailhunter International, techniques, tourism, tours, transpeninsular highway, Travel, trolling tips, tuna, Tuna jackpot, tuna tournament, Uncategorized, vacations, vehicle, wahoo, waterspouts, weather, Western Outdoor News, Western Outdoor Publications, women fishing, yellowtail, tagged accommodations, activities, amberjack, bahia, baja, baja editor, baja sur, bars, bay, beach, billfish, blogs, blue water, bonito, Cabo San Lucas, cabrilla, catch and release, Central Washington Sportsmans show, cerralvo, certified scale, charter, children, chubasco, costa baja, day tour, deep sea, del mar fairgrounds, discount, dog tooth, dorado, east cape, eco tour, el sargento, espirito santo, extreme fishing, family, fish, fishing and boating shows, fishing and hunting shows, fishing sportfishing, flyfishing, fred hall, free dive, get-away, girls, grey whales, grouper, guide, guide service, holiday, hotel, hotel marina, hotel perla, hotel seven crown, hunting, hurricanes, idaho sportsman’s show, igfa, images, inshore, International Game Fish Association, international sportsmans expo, ise, isla, island, jack crevalle, jillene roldan, jilly roldan, Jonathan Roldan, kids, la ventana, las arenas, light tackle, live bait, lodging, los barriles, mahi mahi, marlin, mexican, mexico, muertos, northwest sportsmans show, offshore, outfitter, pack for a purpose, package, panga, panga slam, pargo, photos, pompano, portland expo center, Puyallup Fairgrounds, reef fish, reports, restaurants, rockfish, rooster fish, rooster fish foundation, sailfish, saltwater, san jose del cabo, scuba, sea bass, sea of cortez, sealions, shuttle, sierra, snapper, snorkel, spearfish, storms, suenos, swim, tackle, Tailhunter International, tailhunter restaurant bar, techniques, tips, tour, tourism, travel, travel insurance, trolling, tuna, tuna jackpot tournament, updates, vacation, video, wahoo, Washington Sportsmans Show, weather, western outdoor news, whale watching, whales, whaleshark, wife, women, yellowtail on June 21, 2015| Leave a Comment »

TRIPPING ON TRAVEL INSURANCE?

Originally Published the Week of June 23, 2015 in Western Outdoor News

A lot of you are like me. You run through the airport from Point A to Point B. Run…run…run!

You got your boarding pass in hand. Your suitcase, tackle and rod tubes are in the “gentle hands” of baggage handlers. Depending on the time of day, you get to the gate and your most critical concern is getting to either Starbucks for your morning latte or to the nearest airport sportsbar to wrap your hands around something icy. Let vacation begin!

You pass all the usual airport hot spots.

Nope, don’t need See’s candy. Don’t need a magazine or novel. You don’t need a souvenier t-shirt either.

And you run by the booth that says “Travel Insurance.” You give it a glance but not a second thought.

That was me for years. I didn’t even know what it was. I didn’t really care either. What could possibly go wrong? It’s vacation for criminy-sakes!

But, after a zillion miles of travel…after working here in Baja for 2 decades and over 1000 fishing clients-a-year…regretfully, stuff does happen.

Honest, it’s rare! Don’t panic. You probably have a greater chance of getting in an accident on the way to the airport than something critical happening on vacation.

But, for the same reason, we all have car insurance and home insurance, you’re playing those slim odds. It’s better to have it and not need it…than to need it and not have it!

And, the longer I’m in this business, the more I see the value in it. Because stuff happens. Life happens.

I’ve seen medical emergencies like busted legs and fingers; Appendicitis; allergic reactions; heart problems; diabetic problems; heatstroke, hooks-in-fingers; inspect bites; slip-and-fall; etc.

Some are just accidents. No one’s fault. Some could have been prevented by the person or perhaps with just a little less alcohol consumption.

There are others like lost luggage; lost medications (or forgotten medications!) and then there’s canceled flights; missed flights: fender-benders and hotel problems (one hotel decided to go on strike several years ago and simply locked clients out of their rooms!).

And then there are the weather-related situations (“acts of God”) that simply happen. There are hurricanes or smaller weather-related situations that can cause part or entire vacation cancelations.

Last week there were two days when the Port Captain simply did not let any boats out of the marina because it was too rough. You just never know.

Last year, when devastating hurricane Odile that slammed into Baja with historic impact, many of the items in the list above were quite evident.

There are still folks waiting for refunds and credits and having to deal with that nightmare. Some inexpensive travel insurance can help alleviate much of that.

Living here in Baja, where facilities might not always be the best, I’ll tell you…we have medical insurance that covers us. Jill also purchased a policy whereby in the event of a serious catastrophy like storm or civil unrest, etc. and we’re sitting on our rooftop, they will basically send in the Seal Team 6 to evacuate us out.

While that might be a bit extreme for the majority, regular trip insurance is pretty economical. And it saves a lot of headaches.

Because, let me tell you…getting refunds from many operators in Mexico is non-existent or very difficult.

Many simply don’t offer any refunds. Some may take months. (Do you really want to spend all that frustrating time on long-distance calls and e-mails? How good is your conversational Spanish? ).

In extreme situations, it will probably cost you more to bring legal action even if your booking agent is American based, let alone trying to sue an operator in Mexico. Litigation in Mexico is a maze you don’t want to get into. Danger. Danger!

Airlines are big and handle things like this all the time, but you still may have to jump through hoops.

A major hotel chain like the Marriot or other international chains may give you some relief. They can be really great…or not.

Or they’ll tell you that you have to deal directly with the local hotel franchise in which case you better get ready for some anxiety time. You can pretty much forget it if you booked at Jose’s Cantina and Palapa Hotel. Good luck reaching Jose!

If you google “Trip Insurance” you’ll be surprised.

You can actually insure against all of these crisis pretty easily and even “doctor” the policy to cover only the things you need. You can individualize medical, luggage, transporation, activities, etc.

Or, you can simply get a comprehensive policy that covers everything!

Just for example, I found one online plan to cover a hypothetical trip to Mexico for one week from the U.S. I estimated the cost of the trip at $2000 ($400 for airlines and the rest for hotel, fishing, diving, etc.).

For $72, the policy included things like:

$2000 in trip cancelation / $2000 in trip interruption

Terrorism coverage

$500 baggage lost

$200 baggage delay

$150 for more than 6 hours travel delay up to $300

$10,000 medical ($50 deductible)

$500 dental (never know when that flare up happens or you crack a tooth on ice)

$50,000 medical evacuation

And, I could adjust any of those areas for paying a bit more or a bit less!

For $500, I almost hoped they lose my bag with Walmart brand underwear, socks and my toothbrush and toothpaste!

And there are many other plans as well from a myriad of insurance carriers. An ounce of prevention is worth a pound of pain. Something to think about next time!

That’s my story!

Jonathan Roldan has been writing the Baja Column in Western Outdoor News since 2004. Along with his wife and fishing buddy, Jilly, they own and run the Tailhunter International Fishing Fleet in La Paz, Baja, Mexico www.tailhunter-international.com. They also run their Tailhunter Restaurant Bar on the famous La Paz malecon waterfront. If you’d like to contact him directly, his e-mail is riplipboy@tailhunter-international.com or drop by the restaurant to say hi!

______________

Jonathan Roldan’s

Tailhunter International

TAILHUNTER FISHING FLEET #1 Rated on Trip Advisor

TAILHUNTER RESTAURANT BAR #1 Rated in La Paz on Trip Advisor

Now follow us on FACEBOOK TOO

Website: www.tailhunter-international.com

U.S. Office: 8030 La Mesa, Suite #178, La Mesa CA 91942

Mexico Office: 755 Paseo Obregon, La Paz, Baja Sur, Mexico

Phones:

from USA : 626-638-3383

from Mexico: 044-612-14-17863

Tailhunter Weekly Fishing Report:

http://fishreport.jonathanroldan.com/

Tailhunter YouTube Videos:

http://www.youtube.com/user/pangapirate

“When your life finally flashes before your eyes, you will have only moments to regret all the things in life you never had the courage to try.”

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“STAY OR GO? “

Posted in airlines, aquaculture, bahia de los muertos, bahia de los suenos, Baja, Baja Fishing, Baja fishing lures, Baja Life, Baja Mexico Fishing, Baja Rockfish, Cabo San Lucas, cabrilla, camping, car, cerralvo, cerralvo island, charity, charters, chubasco, circle hooks, Dehydration, donations, dorado, driving, east cape, ecotourism, el nino, el sargento, espirito santo, family, farm-raised, fish, fish farming, fish pens, Fishing, fishing blogs, fishing hooks, Fishing lures, fishing packages, fishing reports, Fishing Tackle and Techniques, Fishing techniques, fishing tips, fishing tournaments, fishing trips, fishing videos, flyfishing, freediving, giant squid, green, Heat stroke, highway, history, holidays in mexico, humboldt squid, hurricanes, ice chests, inshore fishing, inshore fishing in Baja Mexico, jack crevalle, Jonathan Roldan, kids, kids fishing, La Paz, La Paz Fishing, la ventana, las arenas, Leisure, light tackle, Living in Mexico, los barriles, luggage, marlin, Mexican, Mexican business, Mexican culture, Mexican Independence Day, Mexico, Mexico Christmas, Mexico economy, Mexico life, Mexico neighborhood, missions, outfitters, pack for a purpose, packages, packing, packing fish, panga, Panga Fishing, pargo, passport, planning, pompano, rental car, rentals, road trip, roosterfish, Salt Water Fishing, Salt water lures, San Jose del Cabo, saving money, Sea of Cortez, seafood, sierra, spearfishing, sportfishing, squid fishing, storms, suitcases, Sun stroke, sustainable, Tailhunter International, techniques, tourism, tours, transpeninsular highway, Travel, trolling tips, tuna, Tuna jackpot, tuna tournament, Uncategorized, vacations, vehicle, wahoo, waterspouts, weather, Western Outdoor News, Western Outdoor Publications, women fishing, yellowtail, tagged amberjack, bahia, bahia de los muertos, bahia de los suenos, baja, baja fishing, bay, billfish, blogs, bonito, Cabo San Lucas, cabrilla, catch and release, cerralvo, Cerralvo Island, charter, charters, children, chubascos, discount, dog tooth, dorado, east cape, el sargento, espirito santo, Espiritu Santo Island, expatriates in mexico, family, fish, Fishing, fishing charters, fishing reports, Fishing Techniques, flyfishing, freediving, gringos in mexico, guide, holiday, holidays, hurricanes, igfa, images, inshore, international, ise, isla, island, jack crevalle, Jonathan Roldan, kids, La Paz, La Paz Fishing, la ventana, las arenas, light tackle, Light Tackle Fishing, live bait, living in Mexico, los barriles, mahi mahi, marlin, mexican, mexican culture, mexican life, mexico, muertos, outfitter, outfitters, packages, panga, Panga Fishing, pargo, pompano, reports, roosterfish, sailfish, san jose del cabo, scuba, sea of cortez, sierra, snapper, snorkel, spearfishing, sportfishing, suenos, tackle, tailhunter, Tailhunter International, techniques, tips, tours, travel, tuna, vacation, vacations, video, wahoo, western outdoor news, wife, women, yellowtail on June 7, 2015| Leave a Comment »

Looking ominous!

STAY OR GO?

Originally Published the Week of June 9, 2015 in Western Outdoor News

You’ve been looking forward to this Baja fishing vacation for ages. You’re all set. Baja is calling you. You can taste that frosty margarita and you’ve packed and re-packed your fishing gear a zillion times.

Checklist. Passport? Got it. Toothbrush? Check. Hat and camera? Roger. Extra socks. Are you kidding? Extra underwear? Hmmmm…nah…you’ll just rinse your shorts in the sink. Unnecessary clothes add weight that could be used for packing fish on the way home!

Even moreso, you’ve promised your boss, co-workers and your mother-in-law you’d bring them all some fish. However, the minute you walk out that door, you’re turning off your cell phone and e-mails.

You’re already humming Jimmy Buffet tunes.

And then, you hear the news. What? Oh no. A storm? A hurricane? Rain on MY vacation? No! No! No! Please oh please no!

It starts with a little blurb on CNN or the little rolling banner at the bottom of the TV screen. But, it’s a slow news day and now your evening news picks it up too. A dozen words of dread. You would swear they did it just to jab you.

“In other news, for you vacationers, there could be a big storm brewing a thousand miles south of Cabo San Lucas. And now back to Joe on the scene with his story about talking monkeys…”

And pretty soon, everyone on your Facebook page is telling you about it because, of course, they all know you’re headed to Baja! They start sending you graphic images of the weather map showing the tell-tale whirling cloud clusters. As if you didn’t know.

Your e-mail box is getting pinged as well. Well-meaning or envious friends are writing.

“Hey, duuuude, I think you’re screwed. Did you know that there’s this big storm…” Man, that’s not cool.”

Whoa…underwear is really bunching up. This can’t be happening. You’re trying to get some answers and the folks who booked you may or may not be responding. Your buddies are getting into panic mode as well. Rumors are flying.

“Man, I heard from a friend of a friend who was reading online that…”

“The word around town is that…”

This is snowballing. Badly. How do you calm your beating heart and reduce the pucker factor?

Well, keep trying to get in touch with your charter or hotel or booking agent, or whoever booked you. This is where it helps to have someone who actually lives where you are going. An agent who lives in Seattle might not be much help.

Remember that they have a vested interest in you coming down. No one likes handing back refunds. So, take their opinion with a grain of salt and accept it for what it is. The good ones will give you an honest assessment of the pros and cons so YOU can make an informed decision.

Get online and look up the weather forecast yourself! It seems like the most logical thing, but many folks don’t take that first step. There are websites a-plenty including the National Weather Service, the National Oceanic and Atmospheric Association (NOAA) and many others.

Even for those of us who live here, believe me. We don’t have mystic powers. We look at those services as well. That’s how we get our weather information. So go straight to the source. If you ask us, we’re often going to give you the same information you can see for yourself.

That doesn’t mean you should discount what your outfitter, captain or charter guy says. Sometimes, there’s a lot of value to having someone simply stick their head out the window and tell you if they see storm clouds or bright sunshine!

Your nightly news might have grabbed the story, but a storm 1000 miles away can do many things before it hits landfall. It could easily peter out. It could veer off. It could turn into a drizzle.

Don’t get worked up for no reason or without all the facts. Or for something that isn’t even a certainty.

Call your airlines. If they are flying in, chances are, it’s OK. But it’s just one more bit of fact to weigh-in.

Here in La Paz, we had something like 18 storm warnings last year in an El Nino season. Only a handful ever dropped rain on us although one of them was a doozy and became the historic hurricane named “Odile.”

As I write this, there’s a storm warning. “Blanca”is heading our way. Everyone is jumpy. The weather forecast changes by the hour. Angst runs high. The memory of what Odile did to us is still fresh.

It’s the 2^nd such storm in about that many weeks. The last one, “Andrea” got everyone worked up too.

When it “hit” us…there wasn’t a cloud in the sky. Not a drop of rain. In 4 days, it went “poof!” Adios. Andrea did rain on someone’s parade way out in the Pacific, but not on Baja. We fished as usual.

With lower Baja so close to the equator, storms can just be part of life. It’s tropical. Storms blow through. With this current El Nino weather pattern, more storms than normal will be around.

Storms come up sometimes with zero notice and unleash for 15 minutes then disappear. It can be raining in one area, but 100 yards away no rain falls at all.

The weather forcast can show “rain”, but it rains in the mountains 20 miles away which are technically part of the city. In the city folks ar eating ice-cream cones with not a cloud in the sky.

That’s when simply asking someone to look out the window can be worth it’s weight in pesos.

Get all the facts. Make a good decision before you cancel your plans and have to tell your boss you’re not bringing him any fish.