If you have prepaid for airfare, hotels, and shore excursions, insurance protects this "investment" from last-minute cancellations.
Most domestic health insurance (including Medicare) does not provide coverage once you leave your home country. should you buy cruise insurance
Older travelers or those with pre-existing conditions (which can often be covered if booked within 14 days of your initial deposit) face higher risks that justify the premium. What Is Typically Covered? A comprehensive policy usually includes: Should You Buy Cruise Insurance? What to Know If you have prepaid for airfare, hotels, and
Buying cruise insurance is highly recommended for most travelers because standard medical plans rarely cover international waters or foreign ports, and the potential costs of an emergency medical evacuation can exceed . When It Is Worth It What Is Typically Covered
Cruising to remote areas (like Alaska, the Galápagos, or Antarctica) makes evacuation much more expensive and difficult to arrange.