Insurance question.

You'll also want to see if Covid impacts are covered. Travel insurance is regulated and you're subject to the rules in your state of residency. Some states allow for Covid endorsements, others do not. So read up on exclusions. In general, epidemics are a factor that insurance companies in general do not insure. Covid has created an exception is some cases.

I have not read any of the replies, but when I fly/cruise, I always take out insurance. There were 8 of us to cruise, but then the pandemic hit, and our cruised was cancelled two days before cruising. I had taken out insurance (In the past, I have used insurance that my cruise agent recommended here in KC before) and I was so GLAD I did take it out, more than one time, and it can be very expensive, not knowing if I would be reimbursed back, like many things that went on during this pandemic where people were NOT reimburse back. I went through Trip Insurance Store that I had seen recommended. I didn't know what they would say, but they were good enough to extend it for the 8 of us through the end of January 2022. The only bad part, our cruise is more costly than before, so the difference of the cruise cost will have to be made up for that, but I'm glad we still have this insurance we can count on.

Absolutely get insurance (IMHO), but as others have said you'll need to do some research.

Here are the sites I use to research plans

https://www.insuremytrip.com/

https://www.travelinsurance.com/

We never travel without travel insurance. We get ours from our health care provider. Some credit cards cover you automatically when you purchase flights, hotels and cruise using their card but check it out first. Check around with various companies for there are a great variety that offer travel insurance. Check these boards for the policy and company that best fits you and your circumstances. Good luck.

I'd compare prices, but defiantly get insurance!

Depending upon your annual travel plans (cruises, resorts, cross country driving vacations, flights, weekend get-aways) you may want to look at an annual travel insurance policy. We found if you're planning to cruise about 3x over a 12 month period, its more cost effective than a cruise line plan and it covers you for all travel/vacation types during the period. Check it out .

Agree on not taking the cruise line insurance (unless it happens to fit your needs). My suggestion is to google "what is the best travel insurance?", since what I like and what other folks like make for a confusing mess. Big things today are pre-existing and Covid coverages that get you home from a foreign stop.

https://cruiseline.com/forum/post/predictable-unfortunately

Almost forgot one very important consideration. Be sure to check coverage for any prior health conditions. Many do not offer coverage if you have a problem with a prior condition.

My insurance covers me for 'priors' if I buy the insurance within 30 days of my initial deposit.

This is very important and you wouldn't want insurance only to find your "prior" problem wasn't covered after you filed a claim.

As stated previously: Compare cost, coverage, and ratings based on your needs. Do your own research. I'm not selling insurance and not endorsing any companies. I only indicated what works for me.