Emergencies can happen when you least expect it. I highly recommend that you protect your vacation with an independent travel insurance policy. The cruise lines, airlines, hotels and tour operators all charge high penalties for cancellation, ranging from the full deposit to no refund at all.
Another important fact to keep in mind is that that most health insurance policies will not cover you when you are out of the country. The policies you purchase through the cruise lines, airlines, hotel and tour operators will not cover medical emergencies. Your independent travel tnsurance will protect you in many areas.
Please also note, that in order for you to benefit from pre-existing coverage, your policy must be purchased at time of deposit.
It is also important to understand that you do NOT have coverage until you have an active policy! Pre-existing coverage will not apply to world events such as strikes, natural disasters, terrorism, pandemics, etc.
Please understand that I am not a registered insurance agent, and can not legally provide specific advice or information regarding insurance. I can offer you a quote from the travel insurance company we work with the most and can give you different options.
For your benefit, I have a list of several reputable insurance companies: TravelGuard, Allainz and ITravelInsured to name a few. You are also welcome to research and purchase on your own. Please ensure that there is COVID coverage in case you have to cancel due to COVID reasons.