If you get unexpectedly sick while on vacation, have your flight canceled or other disruptions occur, will you have adequate financial protection if plans change or emergency care is needed?
Cruise travel protection
All cruise lines offer travelers some “travel protection” that is less than full travel insurance. Fees are on a sliding scale depending on the cost of your cruise.
travel insurance
Customers may choose to purchase travel insurance through a third party actual travel insurance provider. For these insurance plans, the cost usually depends on age and the amount of coverage required. Travel insurance tends to be more comprehensive than the travel protection offered by cruise lines, but be sure to read the fine print carefully. Some types of insurance (for example, those that cover pre-existing conditions) will require you to purchase coverage within a certain period of time after your first payment, so check out these plans early.
Here are some articles that may be useful to help you decide whether you think you are adequately covered.
“What is the difference between travel insurance and travel ‘coverage’”(USA Today)
When to Buy Travel Insurance vs. When to Rely on Credit Card Protection” (Points master)
“4 Times You Can Skip Travel Insurance – 3 Times You Should Buy It” (CNBC).
Below are links to 3 quote generators
Kovac Global – Available for COVID-19 related coverage
Arches/Wandering Right – Plan comparison and quote generator
Travelex – Plan comparison and quote generator
Unfortunately I can’t answer insurance related questions because I’m not licensed, but they have great phone agents who are happy to answer questions and I can provide you with more links if you need them!
Client, please forward a copy of your insurance policy to me after purchasing it so I can file it with your records.
