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Why?

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Turns out Ron Krivicich's medical condition was preexisting

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so a refund was out of the question.

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Anne Krivicich said she'd asked Princess about Ron's back problems.

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"We were assured that

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we could cancel for preexisting medical conditions and receive a full refund,

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minus the cost of the insurance,"

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she says.

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I contacted Princess on behalf of the couple.

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A cruise line representative called

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Anne Krivicich and offered two options:

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She could either rebook her cruise within a year

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or she could receive a transferable voucher through her insurance,

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good for a future Princess sailing.

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She says it's unlikely the couple will be able to use either offer.

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"On average, most insurance is technically a bad deal,"

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says Jonathan Wu, the founder of,

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an insurance review site.

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That's particularly true of travel insurance, he says.

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And he has the numbers to prove it.

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Wu reviewed the public filings

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for travel insurance companies and found

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that many pay a little over half of their premiums toward claims.

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The rest of the money goes to commissions,

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administrative costs,

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taxes and a profit margin.

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One filing,

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which Wu found eye-opening,

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disclosed that 25 percent of a premium goes to commissions.

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In other words,

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one quarter of every dollar spent

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got kicked back to a travel agent

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or Web site selling the policy.

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"It's no surprise why these types of products

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are actively marketed at the point of sale," he says.

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Those who sell insurance see it differently.

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Bobbie Rae Murphy,

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a travel agent who specializes in cruise

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and adventure travel in Maineville, Ohio,

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says insurance commissions represent a significant portion

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of her income - about 5 to 7 percent.

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But she views insurance as a win-win proposition:

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a source of revenue for her

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and a valuable product that can save someone's vacation,

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if not their life savings.

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"Accidents happen," she says,

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"and they can bankrupt you.

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I counsel my clients so they can understand the potential for issues,

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then suggest that for just a small amount of money,

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I can give them peace of mind."

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But not all insurance is created equal.

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Like many well-traveled industry colleagues (including me),

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Murphy buys an annual plan for herself.

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Those plans often cover the essentials,

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including hospitalization,

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medical evacuation,

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trip interruptions and car rentals.

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Prospective travelers encounter other types of "insurance"

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that are probably not worth the trouble.

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Those can include policies on rental equipment like skis, or rental-car insurance that covers more than damage to the vehicle.

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summer London fashion week is about to open,

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creative design and the new classic old competing.Spring/summer 2014 women's clothing series

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with the existing main elements of the brand extension,and boldly introduces a new kind of flexible texture,including the grommet,sequins,zippers,

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buttons.At the same time,

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ranging from leather to georgette series of item.In terms

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of the materials of this season,

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stylist chooses the crepe DE chine silk,silk georgette,cotton poplin,

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cotton gauze,such as lighter and softer materials.This season's designer brings a relaxed,sexy,

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wild series.Lazy dress with loose shirts,ruggedly obi is decorated with sequins. Printing

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and hand-painted python jackets are attractive bright spot.The Row2014 spring and summer

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series is will come from all over The world together different cultural elements:

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decorative tassels,elaborately embroidered bodices,exotic printing,

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large leaves half moon inclined shoulder bag.

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World's four big fashion week, the long-term use of white model already is not only the aesthetic problems,

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more involved in discrimination based on race.London fashion

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week with white model has been criticized,bridge lack of blacks and other minorities.

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The British fashion council letter each big fashion brands,designers consider to adopt more minorities models,reflect on the fashion week accommodate ethnic diversity.

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