10/14/2026
Travel insurance is one of those things people think they have until they need it.
A standard trip cancellation policy covers specific reasons, not “anything that goes wrong.” Typical covered reasons include you or a traveling companion getting sick or injured, a death in the family, a job layoff, jury duty, or your home becoming unlivable because of a fire or flood. Some policies also cover a named hurricane. Every plan is a little different, so the certificate is what counts.
What it usually does not cover is weather that changes the trip but doesn’t cancel it. Low water on a river, a port swap, or a rough sea day is not a covered reason. The cruise can still go, just not exactly as planned, and insurance won’t refund you for that.
Even if you skip the cancellation coverage, please don’t skip medical. Your regular health plan often doesn’t cover you overseas, and a medical evacuation (getting you to a hospital that can actually treat you) can cost more than the trip. I’ve heard the horror stories, and they’re real. A medical-only plan is usually the smaller price, and it’s the one I’d never travel without.
If you’re booking with me, I’ll send you a quote and we’ll look at the covered reasons together before you decide. Please don’t assume it’s included. plan, and it still has rules.
If you’re booking with me, I’ll send you a quote and we’ll look at the covered reasons together before you decide. Please don’t assume it’s included. DM INSURANCE or call me if you want me to walk through it.
