Actual money reimbursement made by check in U.S. Dollars.

It gives you the complete freedom to spend the money any way you like, including a vacation with any other provider at any time you wish.

Usually a voucher for partial credits (such as 50% or 75%) that have a limited validity (such as one year) and also comes with a number of other restrictions.

If you had to cancel your current cruise because you were seriously sick or a close relative passed away, you may not be able to or willing to go on a cruise in the near future. You may not want to go with the same cruise company or you may not want to go on the same route.

You can get coverage for all non-refundable prepaid travel costs such as airline tickets purchased outside of the cruise line, tours, excursions and side trips.

You will get coverage only for the travel arrangements you purchased through the cruise line company. If you need to make a claim for any travel arrangements that you didn't make through the cruise such as an airline ticket costs, or additional stay in a hotel before or after the cruise, there will be no coverage. In other words, you are protected only for the cruise portion of your trip. If your flight is late and you miss your cruise, there is no coverage.

Covered up to $1,000,000 depending upon the travel insurance plan you purchase. Coverage may either be primary or secondary.

Covered. However, the limit may be much less, such as $10,000 to $25,000. Additionally, the cruise operator may ask you to leave the ship if their on-board medical facility cannot treat you. That would definitely incur additional expenses, as well as many inconveniences to you. Additionally, the coverage would be secondary.

Usually included if the condition is stable for a certain duration such as 60 or 90 days, and you purchase the insurance plan within a short duration (ranging from 7 days to 30 days) following your initial trip deposit.

Usually excluded.

Usually included if you purchase the insurance plan within a short duration (ranging from 7 days to 30 days) following your initial trip deposit.

No coverage. If your cruise line goes bankrupt, you will not receive a refund.

Available in many travel insurance plans as an option.

Unavailable.

Broad range of reasons are eligible for trip cancellation.

In most cases, if the reason is not explicitly stated as covered in the policy, it is excluded. Usually, the list of covered reasons is very short and limited. Many reasons such as the birth of an immediate family member, cessation of carrier service for 24 hours, legal separation or divorce, foreign or domestic terrorism are excluded.

Usually covered.

Usually excluded.

Usually covered.

Usually excluded.

You can be covered for trip cancellation until you depart for your trip, except in case of cancel for any reason.

Trip cancellation coverage usually ends 1-3 days prior to your scheduled departure date. Therefore, any last minute cancellations would be excluded.

Yes. Travel insurance plans are regulated by a State Department of Insurance.

No. In the case of any dispute, you will have to file a lawsuit which is very expensive, time consuming and stressful. In most cases, it may not be worth it looking at the amount of money in dispute. That leaves you with no recourse.