What you need to know about cruising . . .

Should I buy cancellation insurance? Is it worth it? What does it cover? Without insurance, if you cancel your cruise after final payment, you will suffer penalties. There is no question about it. It could be $50 per person or could be the full cost of the trip. The cruise line doesn't care if it was your life savings, if it was a heart attack, a death or if you promise to rebook and say good things about the line. You will not get your money back after final payment without insurance.

We mention insurance to everyone. We don't push it on anyone. But you should consider your own situation before deciding for or against it?

Would losing the total cost of trip hurt?
Do you have family members who are ill or at risk of illness that if their condition turned worse you would abandon your travel plans? Young children or older family members?
Do you have a pre-existing medical condition?
Is your trip relatively expensive? Are you leaving the country for 10 days or longer?
Are at a point in your life where you are susceptible to accident or illness?
Are you booking your own air transportation?
Have you ever experienced baggage delay or loss by the airlines?
Does your insurance cover medical expenses in a foreign country? Probably not?

If you answered yes to any of these questions, then you may want to consider insurance. Insurance typically costs about 10% of your total trip cost and usually covers baggage, trip delay, trip interruption, medical expenses, medical evacuation, and more. The cruise lines' insurance typically doesn't cover pre-existing conditions but we have other insurance we sell to cover this situations. Ask us for a brochure explaining it in more detail?

Is Insurance worth it? If you have to use it, definitely? But insurance also buys peace of mind, which is not a bad reason to have it either?