Travel Insurance Disclaimer

1. Recommendation of travel insurance

TGA Tour and Travel LLC strongly recommends that all travelers purchase comprehensive travel insurance prior to participating in any travel program or booking any travel services.

Travel insurance is an essential component of responsible travel planning, particularly for international, luxury, and high-value travel arrangements.

2. Coverage considerations

Travel insurance may provide financial protection and assistance in situations including, but not limited to:

• Trip cancellation or interruption
• Medical emergencies and hospitalization
• Emergency medical evacuation
• Travel delays or missed connections
• Lost, stolen, or delayed baggage
• Supplier insolvency or service disruption

Travel insurance may not cover losses related to cryptocurrency payments or financial transactions.

3. Customer responsibility

The traveler is solely responsible for:

• Obtaining appropriate travel insurance coverage
• Reviewing the terms, conditions, and exclusions of their policy
• Ensuring coverage is sufficient for the value and nature of their trip

TGA Tour and Travel LLC does not provide advice regarding specific insurance policies unless explicitly agreed in writing.

TGA Tour and Travel LLC does not guarantee that any travel insurance policy will provide coverage for specific events or losses.

4. No liability for uninsured losses

If a traveler chooses not to purchase travel insurance, they accept full responsibility for any financial losses, damages, or additional expenses that may arise, including but not limited to:

• Cancellations
• Medical emergencies
• Travel disruptions
• Supplier failures

TGA Tour and Travel LLC shall not be liable for any losses that could have been covered by travel insurance.

The traveler assumes all risks associated with traveling without adequate insurance coverage.

5. High-value travel notice

For high-value travel arrangements, including private aviation, luxury villas, or customized travel programs, travel insurance is strongly recommended due to the significant financial commitments involved.

Travelers acknowledge that such arrangements may be subject to strict supplier cancellation policies and limited refund eligibility.

6. Third-party providers

If travel insurance is arranged through a third-party provider, the contract is between the traveler and the insurance provider.

TGA Tour and Travel LLC acts only as an intermediary (if applicable) and is not responsible for:

• Policy terms
• Claim approvals or denials
• Insurance coverage disputes

7. Acknowledgement

By booking travel services with TGA Tour and Travel LLC, the traveler acknowledges that:

• Travel insurance has been recommended
• They understand the risks of traveling without insurance
• They accept responsibility for any uninsured losses

All provisions of this Travel Insurance Disclaimer apply to the fullest extent permitted by applicable law.