Travel Insurance

The primary types of travel insurance are available: trip cancellation, medical and lost luggage. Trip cancellation travel insurance, which is most recommended is a good idea since you have paid a large portion of your vacation expenses up front and what that investment protected. It typically costs 6-8% of the total value of your cruise vacation.

Medical insurance and lost luggage insurance do not make sense for most travelers since your existing health insurance should cover you if you get sick on cruise vacation, and your homeowner’s insurance should cover stolen luggage if you have off-premises theft protection. Check your existing policies before you buy additional coverage and do not buy more travel insurance than you need.

If you only need trip-cancellation insurance do not buy coverage for lost or stolen property. Also keep in mind the airlines are responsible up to $2,500 on domestic flights and $640 on international flights if they loose your luggage. If you plan to carry anything more valuable than that, keep it in your carry-on bag.
Among reputable issuers of travel insurances visit these sites: www.accessamerica.com and www.travelguard.com