Just literally got back from Marinduque with family.
We rode the ToRo for the first time as a family. While filling up the manifest, it really dawned on me how things like travel insurance are very important. Because accidents CAN happen, no matter how vigilant we are. So all those extra fees to cover insurance and for clearances, although they bother us, those may be our saving grace.
At least now I have a better attitude towards those. True, some probably charge so much and there could be something done with the long lines, but generally, these agenmcies are just keeping an eye out for us. Wouldn't it be more frustrating if, in the event of mishaps, you won't be reimbursed at least?