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Rub of the green.......therefore I vote no.......I know of weeks when live aboards get tied up to bouys in Coxan Hole, Roatan--all their diving week--due to weather ie no compensation is made.......Mother Nature can not be harnessed......That's why January is a horrible time to travel to the Caribbean----as is Late July, August, & early Sept......I always look @ the probabilities when traveling........
I voted "yes" on the basis that I think some kind of compensation is warranted, but knowing how well those things actually play out in reality, I would not do a $4K trip without trip interruption insurance. If you read thru the fine print, I think a good number of the policies out there would cover this issue.
Not trying to raise the whole tipping discussion, but why did you feel like these people still deserved a tip after all of this? Sounds like that was one place to make some statement in how the crew handled things.