While most major cruise and airline policies include the most basic coverage, many lack the ability to add or increase coverage. Some standard categories typically not included with cruise and airline insurance policies are security evacuation, missed connections, and change fees. These are pretty important benefit categories that often come in handy when your travel plans go south. You might miss out on these benefits if you purchase insurance directly with the cruise line or airline, so it’s always a good idea to use a comparison site and get a quote from them instead.
Despite airlines recently adding free COVID-19 coverage when booking within a certain time frame, you should note that this is not a full travel insurance policy. These policies will only cover COVID-19 related events or conditions on your trip. For example, if you’ve broken your leg while on an adventurous excursion, it won’t provide coverage for that type of medical care. We’ve written a dedicated article about why you should still purchase a comprehensive policy you should check out.
In addition, cruise and airline travel insurance typically only insures the cost of your cruise or your flight. This could mean expenses like hotels and prepaid tours are at risk if something were to mess up your travel plans like trip interruption or trip delay. With a travel insurance policy in hand though, your total trip cost is protected!