Go Back   Cruise Critic Message Board Forums > Cruise Discussion Topics > Cruise/Travel Insurance
 
Register here!
Forgot Your Password?


Notices

Reply
 
Thread Tools Display Modes
  #101  
Old August 20th, 2012, 07:27 PM
time4u2go's Avatar
time4u2go time4u2go is offline
Cool Cruiser
 
Join Date: Jun 2005
Posts: 2,821
Default

Quote:
Originally Posted by cjdixon4 View Post
Katana....truer words were never spoken. You hit the nail on the head; unless you have something else in place to cover unforeseen emergencies, travel insurance should be a natural part of your vacation budget. If you can't afford to do that, you can't afford a vacation. Period.
Wow, really? We can easily afford the insurance, but we choose not to buy it. And I would expect that most people that choose not to buy it could also afford it.

Your logic escapes me.
__________________
Allure of the Seas (RCI) - 06/13
Freedom of the Seas (RCI) - 06/11
Disney Magic - 06/09
Pride of Hawaii (NCLA) - 06/07
Mariner of the Seas (RCI) - 06/06
Carnival Destiny - 05/05
Carnival Glory - 05/04
Inspiration (CCL) - 05/03
Reply With Quote

Ad Sponsored By
  #102  
Old August 20th, 2012, 07:30 PM
Katana_Geldar's Avatar
Katana_Geldar Katana_Geldar is offline
Cool Cruiser
 
Join Date: Jul 2012
Location: Ryde, Sydney
Posts: 420
Default

If you can't afford the insurance, can you afford the thousand of dollars in medical fees if something happened to you?
__________________
Pacific Sun - Vanuatu - 17/12/2010-28/12/2010
Rhapsody of the Seas - New Caledonia - 23/01/2013- 01/02/2013
Reply With Quote

  #103  
Old August 20th, 2012, 07:36 PM
time4u2go's Avatar
time4u2go time4u2go is offline
Cool Cruiser
 
Join Date: Jun 2005
Posts: 2,821
Default

Quote:
Originally Posted by Katana_Geldar View Post
If you can't afford the insurance, can you afford the thousand of dollars in medical fees if something happened to you?
Did you not read my post? I didn't say I couldn't afford the insurance. I said that I choose not to buy it.
__________________
Allure of the Seas (RCI) - 06/13
Freedom of the Seas (RCI) - 06/11
Disney Magic - 06/09
Pride of Hawaii (NCLA) - 06/07
Mariner of the Seas (RCI) - 06/06
Carnival Destiny - 05/05
Carnival Glory - 05/04
Inspiration (CCL) - 05/03
Reply With Quote

  #104  
Old August 20th, 2012, 07:45 PM
Katana_Geldar's Avatar
Katana_Geldar Katana_Geldar is offline
Cool Cruiser
 
Join Date: Jul 2012
Location: Ryde, Sydney
Posts: 420
Default

Ok, I'll bite, why is it that people choose not to buy travel insurance? It's small compared to the price of a trip, and minuscule compared to the benefits it pays out.

And for those people who CHOOSE not up buy, particularly for the medical cover, what do they expect to happen if something happens to them? Like the examples I addressed above. Answer those questions for me.

Have you considered how crippling such a debt could be if something had happened and you weren't insured? What about your friends and family that help you out? What about the Long term effects of improper medical treatment in a foreign country.

You might be the safest and healthiest person in the world, but what about everything else and everybody else? Like the car insurance example before, even if you're the safest driver there are still plenty of other idiots on the road.
__________________
Pacific Sun - Vanuatu - 17/12/2010-28/12/2010
Rhapsody of the Seas - New Caledonia - 23/01/2013- 01/02/2013
Reply With Quote

  #105  
Old August 20th, 2012, 08:02 PM
time4u2go's Avatar
time4u2go time4u2go is offline
Cool Cruiser
 
Join Date: Jun 2005
Posts: 2,821
Default

Quote:
Originally Posted by Katana_Geldar View Post
Ok, I'll bite, why is it that people choose not to buy travel insurance? It's small compared to the price of a trip, and minuscule compared to the benefits it pays out.

And for those people who CHOOSE not up buy, particularly for the medical cover, what do they expect to happen if something happens to them? Like the examples I addressed above. Answer those questions for me.

Have you considered how crippling such a debt could be if something had happened and you weren't insured? What about your friends and family that help you out? What about the Long term effects of improper medical treatment in a foreign country.

You might be the safest and healthiest person in the world, but what about everything else and everybody else? Like the car insurance example before, even if you're the safest driver there are still plenty of other idiots on the road.
For some of us, our regular insurance covers many of these things. For the parts that aren't covered, we have enough saved up to cover those things.
__________________
Allure of the Seas (RCI) - 06/13
Freedom of the Seas (RCI) - 06/11
Disney Magic - 06/09
Pride of Hawaii (NCLA) - 06/07
Mariner of the Seas (RCI) - 06/06
Carnival Destiny - 05/05
Carnival Glory - 05/04
Inspiration (CCL) - 05/03

Last edited by time4u2go; August 20th, 2012 at 08:03 PM.
Reply With Quote

  #106  
Old August 20th, 2012, 08:22 PM
TexCruise371's Avatar
TexCruise371 TexCruise371 is offline
Blue Ribbon Cruiser
 
Join Date: Oct 2006
Location: Texas Panhandle
Posts: 4,805
Default

We buy it for every cruise through our TA. Most of the time we purchase cancel for any reason insurance. With elderly parents and owning our own business you never know when plans can change real quick. In fact, we have had to cancel 3 times after final payment. It sure came in handy those times.
__________________
Barry
My getaway song: http://www.youtube.com/watch?v=-01jhW_Yzhs

“Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.”...................Mark Twain
Reply With Quote

  #107  
Old August 20th, 2012, 10:02 PM
Shake's Avatar
Shake Shake is offline
Cool Cruiser
 
Join Date: Sep 2011
Location: Scottsdale, Arizona
Posts: 624
Default

Ricky......Obviously nobody agrees with you.

Sleep well and enjoy Oceania.
__________________
Upcoming Cruises
Nov 3, 2014 Celebrity Solstice-Australia/New Zealand 12 Nt.

Past Cruises
June 20, 2014 Celebrity Solstice-Alaska Inside Passage 7 Nt.
Feb 22, 2014 Princess Sapphire-Mexican Riviera 7 Nt.
Nov 1, 2013 Celebrity Reflection-Westbound Transatlantic Rome to Miami 15 Nt.
July 12, 2013 Celebrity Solstice-Alaska Inside Passage 7 Nt.
Feb 23, 2013 Princess Sapphire-Hawaii 14 Nt.
Dec 2, 2012 Royal Caribbean Allure of the Seas-Western Caribbean 7 Nt.
Sept 22 2012 Celebrity Summit-New England/Canada 14 Nt.
May 27, 2012 Celebrity Millennium-Pacific Wine Cruise 5 Nt.
April 27, 2012 Princess Island- Panama Canal 14 Nt.
Nov 30, 2011 Celebrity Silhouette-Southern Caribbean 12 Nt.
July 10, 2011 Princess Sapphire-Alaska Inside Passage 7 Nt.
June 4, 2011 Celebrity Eclipse-Italian Mediterranean 14 Nt.
April 2, 2011 Celebrity Eclipse-Western Caribbean 7 Nt.
Feb 2, 2011 Princess Golden-Hawaii 14 Nt.
Aug 10, 2010 Princess Caribbean-NE/Canada 7 Nt.
May 9, 2010 Princess Golden-Pacific NorthWest 5 Nt.
Feb 21, 2010 Princess Caribbean-Eastern Caribbean 7 Nt.
Reply With Quote

  #108  
Old August 20th, 2012, 10:43 PM
HImom HImom is offline
Cool Cruiser
 
Join Date: Feb 2012
Location: HI
Posts: 157
Default

For us, it is a weighing of risks, costs & benefits, plus what coverage we have just from our CC. For our planned honeymoon, I believe we did purchase travel insurance & ended up canceling and just losing a minimal deposit. For another trip to Europe, we did NOT buy any insurance but got a little travel insurance complimentary from a CC. Again, we canceled (this time due to health & volcano) and got EVERYTHING back.

The upcoming cruise we have planned is fairly short -- 7 days, mostly in the US, and we & parents & other relatives are all in pretty good health. Our insurance DOES cover our medical costs in other states & countries. We COULD afford a total loss, if that happened for this trip and have CCs with very high credit limits. We have chosen to self-insure, plus whatever our CC that we charged on offers as well.

We are comfortable with our choice and I certainly respect others who choose to buy travel insurance. Each of us makes calculated decisions about what makes sense for OUR particular situation and moves forward based on those--second-guessing others because of choices they make based on their circumstances is rather presumptuous, IMHO, even if choices others make are not necessarily choices YOU might make.
__________________
HImom


Last edited by HImom; August 20th, 2012 at 10:44 PM.
Reply With Quote

  #109  
Old August 20th, 2012, 11:02 PM
Ladysilver's Avatar
Ladysilver Ladysilver is offline
Cool Cruiser
 
Join Date: Nov 2011
Location: Santa Fe, Texas
Posts: 1,546
Arrow Never say never

Quote:
Originally Posted by cjdixon4 View Post
Katana....truer words were never spoken. You hit the nail on the head; unless you have something else in place to cover unforeseen emergencies, travel insurance should be a natural part of your vacation budget. If you can't afford to do that, you can't afford a vacation. Period.

I agree 100%.....When my daughter and I were flown back to the states from Mexico I asked one of the pilots what the trip would have cost if we didn't have insurance. His answer was upwards of $30,000, depending on how far they were flying. They flew from Tampa Bay to Merida then back to Houston and on to Tampa Bay. Something else to think about.....The hospital we were in there in Mexico refused to discharge us until the cruise line faxed a "guarantee of payment" to them. That was a scary moment. I felt like I had totally lost control over what was happening to us. I couldn't wait to get out of there!
We were also refunded 75% of our cruise fare. The insurance was priceless to us. I was once one of those people who think "it will never happen to us." Now cruise insurance is just added to the total cost of the cruise. It's a no-brainer for us.
__________________
Paula





Norwegian Sea - Nov '00
Rhapsody of the Seas - Dec '04
Carnival Triumph - Jan '12
Mariner of the Seas - Dec '12
Navigator of the Seas - Dec '13
Navigator of the Seas - May '14
Reply With Quote

  #110  
Old August 20th, 2012, 11:54 PM
MoneyGuy's Avatar
MoneyGuy MoneyGuy is offline
Cool Cruiser
 
Join Date: Dec 2005
Posts: 399
Default

Not buying travel medical insurance is dumb. A serious illness would crush you financially.

Trip-cancellation and -interruption insurance is, simply, a poor investment. Same for baggage-loss insurance.
__________________
Alberta, Canada

Last edited by MoneyGuy; August 20th, 2012 at 11:55 PM.
Reply With Quote

  #111  
Old August 21st, 2012, 12:51 AM
critterchick's Avatar
critterchick critterchick is offline
20,000+ Club
 
Join Date: Jul 2004
Posts: 22,588
Default

Quote:
Originally Posted by Katana_Geldar View Post
Ok, I'll bite, why is it that people choose not to buy travel insurance? It's small compared to the price of a trip, and minuscule compared to the benefits it pays out.

And for those people who CHOOSE not up buy, particularly for the medical cover, what do they expect to happen if something happens to them? Like the examples I addressed above. Answer those questions for me.

Have you considered how crippling such a debt could be if something had happened and you weren't insured? What about your friends and family that help you out? What about the Long term effects of improper medical treatment in a foreign country.

You might be the safest and healthiest person in the world, but what about everything else and everybody else? Like the car insurance example before, even if you're the safest driver there are still plenty of other idiots on the road.
When I choose not to buy travel insurance, it's because I can afford the consequences of not doing so. Yes, I may have a bit more of a hassle dealing with my regular insurance company than the travel insurance company, but it seems ridiculous to me to carry three insurance policies (we are covered by two policies already that cost us less than $100/month).

I think that most foreign countries that we visit have perfectly adequate medical facilities. Some are even superior to ours.

Quote:
Originally Posted by MoneyGuy View Post
Not buying travel medical insurance is dumb. A serious illness would crush you financially.

Trip-cancellation and -interruption insurance is, simply, a poor investment. Same for baggage-loss insurance.
That's a rather sweeping statement, don't you think? If you don't have any idea of a person's financial and insurance situation, you are hardly in a position to know whether they would be crushed financially by a serious illness.

And I would be interested to know why you think that the other forms of insurance are poor investments. If I've invested $20,000 in a trip and have elderly parents, a sick dog and unpredictable work requirements, I think I want to insure it with a "cancel for any reason" policy.
__________________
-Jean

RCI's 2013 wine list is here: http://s1331.photobucket.com/user/cr...?sort=6&page=1

Block Island Ferry 1965

Nordic Empress 4/95; Vision of the Seas 10/02, 5/03,1/06,11/07, 12/07, 11/08, 9/12; Splendour of the Seas 10/03; Monarch of the Seas 2/04, 12/04, 9/05, 6/06, 9/06, 1/07, 02/07, 04/07, 05/07B2B, 08/07, 11/07, 2/08, 03/08, 04/08B2B, 6/08, 7/08-2x,08/08x3, 9/08x2, 10/08, 6/09, 12/11; Radiance of the Seas 9/04, 9/07, 10/09B2B, 11/09, 4/10; Brilliance of the Seas 10/05, 9/12; Serenade of the Seas 10/06; Jewel of the Seas B2B 11/06, 7/07, 10/11, 12/12x2, 1/13; 2/13, 12/13, Liberty of the Seas 5/07, 3/11, 11/11; Mariner of the Seas 3/08, 02/09, 04/09, 09/09, 01/10, 12/10x2, 01/11; Navigator of the Seas 12/11; Oasis of the Seas 11/09; Rhapsody of the Seas 2/10, 4/11, 5/13, 5/14; Allure of the Seas 11/10, 1/14[/color]

Star Princess 5/02, 9/02, 5/12; Diamond Princess 5/04,4/05,5/07; Sun Princess 5/05; Island Princess 05/06; Sapphire Princess 12/09, 3/13, 3/14, Golden Princess 10/13, 11/13 x3

Azamara Journey 12/08 Azamara Quest 05/09

Carnival Paradise 2/09, 07/09, 8/09, 12/09, 3/10, 10/10, 2/11, 09/11 Carnival Inspiration 12/11, 2/12, 11/12, 3/13, 8/13

HAL Oosterdam 4/11

Celebrity Xpedition - a trip of a lifetime! 9/13
Reply With Quote

  #112  
Old August 21st, 2012, 07:53 AM
time4u2go's Avatar
time4u2go time4u2go is offline
Cool Cruiser
 
Join Date: Jun 2005
Posts: 2,821
Default

Quote:
Originally Posted by MoneyGuy View Post
Not buying travel medical insurance is dumb. A serious illness would crush you financially.

Trip-cancellation and -interruption insurance is, simply, a poor investment. Same for baggage-loss insurance.
Who is the "you" that you are referring to? Or is it a generalization, where you are aware of everyone's financial status?
__________________
Allure of the Seas (RCI) - 06/13
Freedom of the Seas (RCI) - 06/11
Disney Magic - 06/09
Pride of Hawaii (NCLA) - 06/07
Mariner of the Seas (RCI) - 06/06
Carnival Destiny - 05/05
Carnival Glory - 05/04
Inspiration (CCL) - 05/03
Reply With Quote

  #113  
Old August 21st, 2012, 09:36 AM
MoneyGuy's Avatar
MoneyGuy MoneyGuy is offline
Cool Cruiser
 
Join Date: Dec 2005
Posts: 399
Default

Quote:
Originally Posted by time4u2go View Post
Who is the "you" that you are referring to? Or is it a generalization, where you are aware of everyone's financial status?
If the loss of a cruise would crush you financially, maybe you shouldn't be cruising. Huge losses like life, limb, health and the ability to earn an income should always be insured. Small losses like travel should virtually always be self insured. I sell travel insurance, by the way, as part of my business. I never advise clients not to get it. If they want it, fine, but I don't market it either.
__________________
Alberta, Canada

Last edited by MoneyGuy; August 21st, 2012 at 09:45 AM.
Reply With Quote

  #114  
Old August 21st, 2012, 10:33 AM
Cigar King's Avatar
Cigar King Cigar King is offline
5,000+ Club
 
Join Date: Oct 2011
Location: IL
Posts: 5,606
Default

Quote:
Originally Posted by Katana_Geldar View Post
Ok, I'll bite, why is it that people choose not to buy travel insurance? It's small compared to the price of a trip, and minuscule compared to the benefits it pays out.
Put us down as another couple that does not buy the insurance. Our current insurance covers us, so the only thing we could be on the hook for is if we had to cancel, close to the departure date. I figure by now we are ahead of the game. If I had bought insurance we would have spent that money, which by would be more than a vacation.
__________________
You're never too old to have a great childhood!
Reply With Quote

  #115  
Old August 21st, 2012, 05:44 PM
cjdixon4's Avatar
cjdixon4 cjdixon4 is online now
Cool Cruiser
 
Join Date: Jan 2012
Location: chicago
Posts: 1,678
Default

Quote:
Originally Posted by time4u2go View Post
Wow, really? We can easily afford the insurance, but we choose not to buy it. And I would expect that most people that choose not to buy it could also afford it.

Your logic escapes me.
time4u2go ...
Obviously, if you can AFFORD it and choose not to partake of it....then I'm not referring to you. Does that escape you as well?
__________________
Judi


Reply With Quote

  #116  
Old August 21st, 2012, 06:12 PM
Tranquil Waters's Avatar
Tranquil Waters Tranquil Waters is offline
Blue Ribbon Cruiser
 
Join Date: Dec 2005
Posts: 4,657
Default

Have never purchased travel insurance. Our health insurance is very inclusive and covers illness/accidents out of the States as well as at home including air lifting as needed. Health coverage I would not travel without.

Basic travel insurance is like any other coverage that financial experts tell you to forego. We have cruised over 20 times without ever having to cancel after final payment date. Most people would also fall under these statistics. Had we paided a couple of hundred dollars for each of these cruises we would have paid out over $4000 dollars. So if I ever do have to miss a cruise I would still be ahead not to have taken the insurance. And if I continue to make my cruises I will be thousands of dollars ahead.

I would also be more likely to consider insurance if I had sick family members that could increase the chances of having to cancel last minute.....
__________________
TW
~proud NOOTS~
An O through and through

Last edited by Tranquil Waters; August 21st, 2012 at 06:13 PM.
Reply With Quote

  #117  
Old August 21st, 2012, 07:05 PM
marci22's Avatar
marci22 marci22 is offline
10,000+ Club
 
Join Date: Mar 2007
Location: New Jersey
Posts: 10,867
Default

Point is, you never know when something unexpected will happen. My teenage son had a medical problem 1 week before our cruise that would have required immediate medical attenion if it had progressed. He had never had a similar problem before.

We don't have disability insurance, which is usually strongly suggested, and we have not needed it. In the meantime, we have probably saved well over 60k, based on the premiums we were quoted and the time that has elapsed since then. But what if my husband had become disabled?

It's a risk/benefit scenario and everyone must determine on their own what is best for them. Just like home insurance, car insurance, etc. Some people are insured to the hilt and some carry nothing.
Reply With Quote

  #118  
Old August 21st, 2012, 08:29 PM
time4u2go's Avatar
time4u2go time4u2go is offline
Cool Cruiser
 
Join Date: Jun 2005
Posts: 2,821
Default

Quote:
Originally Posted by cjdixon4 View Post
time4u2go ...
Obviously, if you can AFFORD it and choose not to partake of it....then I'm not referring to you. Does that escape you as well?
I didn't see anyone post on here that they couldn't afford the insurance. So who were you referring to?
__________________
Allure of the Seas (RCI) - 06/13
Freedom of the Seas (RCI) - 06/11
Disney Magic - 06/09
Pride of Hawaii (NCLA) - 06/07
Mariner of the Seas (RCI) - 06/06
Carnival Destiny - 05/05
Carnival Glory - 05/04
Inspiration (CCL) - 05/03
Reply With Quote

  #119  
Old August 21st, 2012, 09:29 PM
Coralc's Avatar
Coralc Coralc is offline
10,000+ Club
 
Join Date: Jan 2002
Location: Northern California
Posts: 12,788
Default

Quote:
Originally Posted by Cigar King View Post
Put us down as another couple that does not buy the insurance. Our current insurance covers us, so the only thing we could be on the hook for is if we had to cancel, close to the departure date. I figure by now we are ahead of the game. If I had bought insurance we would have spent that money, which by would be more than a vacation.
The insurance for the Vision cruise....which is what? around $3000? was only $145. Cruise Care from the line was $89/per person.

Our medical covers us internationally, but I want cancellation too. Mom was not injured by the falling tree that cut her house in half, but you never know what's going to happen with her.

I don't want to be out the money if we did have to cancel.

Last edited by Coralc; August 21st, 2012 at 09:30 PM.
Reply With Quote

  #120  
Old August 22nd, 2012, 12:21 AM
MoneyGuy's Avatar
MoneyGuy MoneyGuy is offline
Cool Cruiser
 
Join Date: Dec 2005
Posts: 399
Default

Some of you seem very surprised that many of us don’t buy this insurance. At least one person has posted asking why we don’t. This is why I don’t buy cancellation, interruption or baggage-loss insurance.

Note: I’m a financial planner who handles various insurance products as part of my practice. As someone who is insurance licensed, I know how insurance works, when it’s essential and when it’s not a wise financial decision.

First off, I ALWAYS buy health and medical insurance and think it’s stupid not to. This is one product you should never leave the house without, so to speak. The purpose of insurance is to spread large risks among many people. That’s why you insure your life and your ability to earn an income when there are others who depend on your income. Think of a 40-year-old man whose wife is home raising three kids and her income if she had to go back to work outside the home would be minimal. Not to insure his ability to earn an income would be stupid. It’s the same for travel medical insurance. I can’t believe some people don’t buy it. Think of the consequences, folks, if you’re stuck in another country with a medical bill of hundreds of thousands of dollars, it would crush you financially. You never risk your financial security to save a small amount.

One of the principles of insurance is that you insure huge losses that would be financially devastating, but it’s generally unwise to insure small losses that would have little financial impact. I don’t insure my car windshield and I don’t get extended warranties on things like computers and TVs.

I just ran a quote on a typical trip for my wife and me. For a $5,000 expense, trip-cancellation and -interruption insurance with baggage-loss insurance would cost 6.2% of the cost of my trip. I’m ahead if I make 16 trips with no losses. We travel a lot (multiple times a year) and I’m far, far ahead as we’ve had dozens of uninsured trips (again, I always insure for health problems). I’ve saved a lot more than the cost of a trip, should I ever lose the cost of a trip. I’m excluding from this the small amounts of insurance I have through my credit card and through a group plan. If I factored that into my calculation, I’d probably be ahead after about 10 trips.

If my next trip is cancelled due to a health issue and I lose $5,000, I’ll grumble, but I take great satisfaction in knowing that I’m up about two or three trips now. I fully expect that one day I will lose the cost of a trip, minus the insurance I have through my credit card and group insurance.

Here’s an interesting fact. Insurers generally add about 40-42% on top if the cost of the insurance as their profit. When insurance is necessary (life, disability, critical-illness insurance, etc.), then I don’t mind so much, but I prefer not to pad their wallets when the insurance is unnecessary. Cancellation, interruption and baggage-loss insurance is unnecessary. Anyone who thinks otherwise is missing some facts or places too much emphasis on that little bit of peace of mind.

The case has been made that $5,000 is a lot of money to some people and some can’t afford to lose that amount. I agree, but if that loss is financially devastating, maybe they shouldn’t be traveling. I’m not judging, as you have to decide for yourself.

We were recently in Europe and some of you will know that our luggage was lost. When I posted about it, someone criticized me with an I-told-you-so attitude. If I’d had lost-luggage insurance, it would not have saved me one dollar or made the adventure any less disruptive (it was no big deal anway).

Sme of you have said you don't want to be out the money so you but the insurance. It's almost guaranteed you'll to spend a lot more by doing it your way. Isn't that the bottom line?
__________________
Alberta, Canada

Last edited by MoneyGuy; August 22nd, 2012 at 12:22 AM.
Reply With Quote

Reply

Bookmarks


Ad Sponsored By
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -4. The time now is 05:50 AM.


© 1995 - 2014, The Independent Traveler, Inc. All rights reserved.
"A Community of People Who Love To Cruise"
All of the information contained within Cruise Critic is protected by copyright. You may, however, download a single copy only for your personal use.