Where to look

The following site represents 14 different insurance companies, many of the same ones used by travel agents. It even includes companies in England and Sweden.

It's the best place I know to compare cruise travel insurance policies, their costs and coverage: www.insuremytrip.com

Trip cancellation & trip interruption

Is either a real possibility? Yes, due to the following.

Hurricanes

The hurricanes of 2004 closed hotels on some islands and interrupted normal day-to-day living for weeks and months.

In many instances were able to postpone their vacations or receive partial refunds, but not all.

Illness or injury

And what happens if you or a family member becomes ill ? Or there's a traffic accident on the way to the airport and you miss your flight?

If you're injured in an accident while horseback riding, snorkeling or engaged in any activity, does your present insurance cover the costs of being treated locally -- or to be medically evacuated back home if necessary?

You may have an elderly relative who is not well, and what will you do if they become ill just before your departure? Cancel? Or still take your vacation?

Lots of questions and considerations. Hopefully, you'll never have the need for travel insurance. But if you do, it could be the best investment you've ever made.

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