What Our Greece Catamaran Trip Taught Us About Group Travel, Splurging Intentionally, and Doing It at the Right Time

We don’t usually think in terms of “bucket list” travel. We’re much more interested in experiences that fit naturally into our lives and values.

But every once in a while, something really does live up to the hype.

Our week sailing in Greece with two other families was more expensive than most of our trips — and very intentionally so. It was a splurge, no question about it. And it was also one of those rare experiences that felt completely worth what we paid for it.


Why We Chose This Trip (Even Though It Was a Splurge)

This wasn’t the cheapest way to travel, and we knew that going in.

What made it appealing was the combination of:

  • A truly special place
  • Time slowed down by the rhythm of sailing
  • Traveling with close friends
  • A format that let us be present rather than constantly managing logistics

We weren’t trying to check something off a list. We were choosing a week that felt meaningful — one that centered connection, shared experience, and being fully in the moment.

In that sense, this trip fit our definition of frugal travel: not cheap, but intentional and values-driven.


The Timing Made a Huge Difference

One of the biggest factors in making this trip feel reasonable was when we went.

We traveled slightly off peak, just before prices jumped for the high season. Traveling even a week or two later would have nearly doubled the total cost.

The tradeoff was cooler water — but that didn’t bother us at all. We’re used to swimming in colder conditions, and the quieter experience more than made up for it.

This is something we’ve seen over and over again: when you’re flexible with timing, you can often access experiences that would otherwise feel out of reach.


What the Trip Looked Like in Practice

We spent the week sailing between islands on a catamaran, traveling with two other families and living aboard together.

The pace was naturally slow. Days revolved around weather, swimming, meals, and time together rather than schedules or checklists.

There was space for both shared time and quiet moments — reading, floating in the water, watching the coastline drift by.

That rhythm was a big part of what made the trip feel special.


A Thoughtful Splurge: Having a Cook Onboard

One of the biggest reasons this trip felt so restorative was having a cook onboard.

Was it costly? Yes.
Was it worth it? Absolutely.

Not having to plan, shop for, or prepare meals freed up an enormous amount of mental and physical energy. Instead of defaulting into logistics mode — which often happens on trips — we were able to actually experience where we were.

This is a good example of how we think about splurges. We don’t spend more just to spend more, but we’re willing to pay for things that meaningfully change how a trip feels.

In this case, outsourcing meals gave us back time, presence, and ease — and that felt like money well spent.


Why Traveling With Other Families Still Mattered

Even with the onboard support, traveling with other families was a huge part of what made the trip work.

Sharing costs across families made a high-end experience more accessible, and sharing the experience itself made it richer. Kids had built-in community. Adults had conversation and connection without effort.

It didn’t feel like a group tour or a logistical exercise — it felt like a shared adventure.


What Our Kids Took Away From the Experience

Learning happened naturally, without us needing to manufacture it.

Sailing made geography real. Weather influenced decisions. Cooperation mattered. Living in close quarters required awareness of others.

More than anything, our kids experienced what it looks like to move through the world slowly, attentively, and together.


Would We Do This Again?

Yes — but not all the time.

This isn’t how we want to travel every trip. It was special because it was different from our usual approach. The splurge made sense in this context, at this moment, with these people.

It’s the kind of experience we’d happily repeat occasionally — when the timing, the people, and the intention all line up.


How This Trip Fits Into How We Travel Overall

This trip reinforced something important for us: frugal travel doesn’t mean avoiding expensive experiences altogether.

It means being selective.
It means choosing when to spend more.
And it means doing so in ways that genuinely enhance time together.

This week in Greece was a reminder that sometimes, a thoughtfully chosen splurge can be just as aligned with our values as the most budget-friendly trip.

Why We Buy Travel Insurance (Even When It Feels Optional)

Travel insurance isn’t something we buy automatically for every trip — and it’s not something we think about as a way to “get our money back.”

For us, travel insurance is about risk management and peace of mind, especially as parents. It’s one of those places where frugality shows up not as spending as little as possible, but as spending intentionally to protect against the things that would matter most if something truly went wrong.


The Coverage We Care About Most: Medical and Evacuation

The primary reason we buy travel insurance is medical coverage, especially medical evacuation.

When we travel internationally — particularly in places where access to high-quality medical care may be limited — we want to know that if a serious emergency happened, we wouldn’t be making decisions based on cost or logistics alone.

Evacuation coverage matters to us because:

  • It can cover transport to appropriate medical care
  • It can help get us home if needed
  • It removes uncertainty during already stressful situations

This becomes especially important on trips to places like Central America or South America, where medical infrastructure can vary widely depending on location. On trips within Europe, we sometimes feel less urgency about this coverage — but we still think carefully about it.

As parents, that peace of mind is worth a lot. Knowing we have a plan in place lets us travel with less background anxiety and more presence.


Would We Think About This Differently Without Kids?

Probably.

Or maybe not entirely — it’s hard to say.

But having kids absolutely raises the stakes. When more people are involved, and when those people depend on you, the cost of uncertainty is higher. Travel insurance helps reduce that uncertainty.

It’s not about assuming something bad will happen. It’s about acknowledging that if something did, we’d want support immediately — not a financial problem to solve first.


Cancellation Coverage: A Hedge, Not a Guarantee

We do like having some cancellation coverage, but we’re realistic about what it’s for.

We don’t try to insure every dollar of a trip. Instead, we think about cancellation coverage as a hedge — especially for:

  • Large, non-refundable expenses
  • Trips booked far in advance
  • Experiences that would be difficult to rebook or reschedule

We don’t expect travel insurance to make us whole in every scenario. That’s not how we use it, and that expectation would push us toward buying more coverage than we actually need.

For us, the goal is to soften the impact of major disruptions, not eliminate all risk.


Why This Fits Our Definition of Frugal Travel

Buying travel insurance is a good example of how we think about frugality.

Frugal doesn’t mean:

  • Gambling on best-case scenarios
  • Ignoring low-probability, high-impact risks
  • Optimizing every dollar at the expense of peace of mind

For us, frugal means:

  • Thinking through consequences
  • Spending a little to avoid catastrophic costs
  • Making choices that support sustainable travel over time

Travel insurance helps us travel more confidently and more calmly — and that has real value.


When We Might Skip Travel Insurance

We don’t buy travel insurance automatically.

For example, we might skip it for:

  • Short domestic trips
  • Trips with fully refundable bookings
  • Low-cost travel where the financial risk is minimal

Like most travel decisions, this isn’t all-or-nothing. It’s contextual.


A Quiet Form of Preparation

Travel insurance isn’t the most exciting part of trip planning, and it’s not something we think about once we’re actually traveling.

But that’s kind of the point.

Having it in place allows us to focus on the experience itself — exploring, learning, and being together — rather than worrying about what-ifs.

And for our family, that peace of mind is well worth the cost.