While lots of  cruise passengers purchase trip insurance in the case of emergencies, this insurance doesn’t always provide the protections that they demand. For example, some cruise  companies may not be responsible for injuries that are  suffered during offshore excursions which are not associated  with the cruise. It is the major reason  why you would better buy travel insurance from the third party rather than from the trip operator itself.

Compare the expanse of the tours versus the expanse of the policy. If you only purchased a $200 airline ticket, is it worth covering? If you pay for it by a credit card and then the airline stop to operate prior to  your flight, you are already covered under the  federal credit laws by the credit card company, because you contracted or bought  a service which you didn’t get.

Search  for a policy with a travel insurance company  that is not just  independent from your trip operator but also licensed by the state. Lots of tour operators and cruise lines  offer insurance, usually  at lower price than those insurance  charged by outside insurance company. However if the  tour company or  cruise line is out of business, it could  be no money to cover your claim.

If cruise or  flight delays make you need to cancel, you  could be out of the luck. With some of the  policies, more than half part of your vacation also has  to be delayed right before you could cancel and be covered.

At last but not least, keep in mind  full disclosure. If you possess a preexisting medical condition but do not write  it in  your policy application, your whole claim may be denied, even though your medical condition was not factored in the cancellation.