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Travel Insurance is Complicated. Because there are so many coverages and restrictions, I highly recommend you speak with a travel insurance broker (I have used insuremytrip.com) prior to purchasing. They know what to ask (that you and I don't) in order to steer you toward the right coverage for your needs. Here are some of the available coverages to consider:
BASIC policies (or "lite" as they are often labeled). These offer limited coverage for trip cancellation, trip interruption, travel delays, and baggage issues. But too often they fail to meet the needs of travelers due to their restricted coverages (i.e., covered reasons). COMPREHENSIVE policies can cover one or more of the following for a nominal cost:
Cancel for Any Reason. Covers 50-75% of your non-refundables depending on the policy
Cruise Cancellation. Covers non-refundables not purchased through the cruise line
Employment Layoff. Being unemployed is hard enough without a failsafe for trip costs
Financial Default. Covers when a travel provider is no longer in business
Emergency Medical Evacuation. Costs can be in the tens-of-thousands!
Hospital of Choice. Without this you are transported to the nearest facility
Pre-existing Medical Waiver. Covers conditions that insurers decide is "pre-existing"
Primary Medical. Places the insurer first in line for claims. Eliminates the need to file with your own insurance.
Be aware that no single policy will cover every possible reason for cancellation at 100%, and that there are time restrictions (e.g., signing up, cancellation) with every policy . . .