Do I need travel insurance for my cruise?by Fran Golden | August 06, 2016
What's the catch? No matter the policy, always read the fine print. For instance, you may not be covered for cancellation if you have a pre-existing medical condition, and cruise line policies do not cover air and hotel unless they were booked through the line. Also, make sure you know what you'll be getting back if you have to cancel. Reimbursement on a cruise line policy may be future cruise credits rather than cash, whereas third-party policies pay you cash.
And keep in mind travel insurance needs to be purchased when an event is "unforeseen." For example, if you're cruising in the Caribbean during hurricane season, most policies require that you purchase protection at least 24 hours before a hurricane is officially named in order to be covered if you have to cancel.
Fran Golden is a Cleveland-based contributor to ShermansCruise who also writes for USA Today.