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Trip/Personal Injury Insurance - St. Lucia

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Hello,
We booked air and Villa in St. Lucia only to learn after the fact, the Villa provided a required contract stating they are not liable for any injury that may occur on the property etc. They are vary accommodating and offer a refund, but other locations are either booked, or out of price range.

We are seeking a reputable company for personal injury/trip insurance to avoid canceling this trip.
Thanks in advance for your suggestions.

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