Travel Insurance: Upon booking confirmation, guest to ensure that the appropriate comprehensive travel and medical insurance is taken out to protect against, inter alia, cancellation or interruption of tour, personal accident, emergency evacuation expenses, medical expenses, repatriation expenses and loss of baggage. Time + Tide cannot take responsibility for external events that may result in travel delays e.g. adverse weather conditions, rescheduled / missed flights etc. The guest is responsible for any and all expenses that arise as a result of last-minute changes to itineraries.