Travel Insured offers insurance at competitive rates with more extensive coverage than standard cruise insurance. 3rd party insurance is typically less expensive than cruise line insurance. This is what I use for my personal travel. Book within 2 weeks of deposit for pre-existing conditions coverage (automatically applied).

Here's why to book:

Protects against trip cancellation and interruption

• Reimburses non‑refundable trip costs if you must cancel or cut short your trip for covered reasons such as illness, injury, severe weather, jury duty, or employer-required travel changes

Covers medical emergencies abroad

• Pays for emergency medical care and hospitalization when your regular health insurance has limited or no coverage overseas
• Often includes emergency medical evacuation to the nearest adequate facility or home country if needed

Provides baggage and personal effects protection

• Reimburses lost, stolen, or delayed luggage and essential items so you can replace necessities quickly while traveling

Includes travel delay benefits

• Covers additional lodging, meals, and transportation when delays are caused by covered events (weather, mechanical issues, labor strikes)

Offers 24/7 assistance services

• Access to emergency hotlines for medical referrals, travel and legal assistance, help replacing documents, and coordinating evacuations or return travel

Financial peace of mind for expensive trips

• Protects deposits and prepaid costs (tours, flights, hotels, cruises) so you don’t lose large sums if plans change

Optional coverages for specific needs

• Cancel for any reason (CFAR) add-ons, pre‑existing condition waivers, adventure-sports coverage, and rental-car damage protection let you tailor coverage to your trip

Speeds recovery from unexpected events

• Faster reimbursement and coordinated support often mean you can focus on health and safety rather than logistics and bills

Good for international and remote travel

• Especially valuable where medical costs are high, care access is limited, or evacuation would be costly and complex