When you’re unexpectedly ill on vacation, or your flights get cancelled, or another snafu happens — are you adequately financially covered if plans change or you need emergency care?

Cruise Line Travel Protection
All cruise lines will offer travelers some variation of “travel protection” which is less than full travel insurance. Cost is on a sliding scale basis depending on how much your cruise costs.

Travel Insurance
Clients can opt instead to purchase travel insurance through a third party actual travel insurance provider. For these insurance plans, cost will often depend on age and desired amount of coverage. Travel insurance tends to be more more comprehensive than the travel protection offered by cruise lines, but always read the fine print carefully. Some types of coverage (e.g., those that cover pre-existing conditions) will require that you purchase the insurance within a certain time period after you make your initial payment, so please do check these plans out sooner than later.

Here are some Potentially Helpful Articles to help you decide if you feel you’re adequately covered.

“What’s the difference between travel insurance and trip ‘protection'” (USA Today)

When to Buy Travel Insurance vs When to Rely on Credit Card Protection” (The Points Guy)

“4 times you can skip travel insurance – and 3 times you should buy it” (CNBC). 

Here are links to 3 quote builders

Covac Global – for COVID-19 related coverage

Arch/RoamRight – plan comparison and quote builder 

Travelex – plan comparison and quote builder

Unfortunately, I am unable to answer insurance-related questions as I’m not licensed for that, but they have great agents on the phone who are happy to answer questions and I can get you more links if you need!

Clients, please forward me copies of your insurance policies after you buy them so I can file them with your records.