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I recently had a kidney stone attack on board a ship, and my travel insurance paid the medical costs without any problems. The $150 I spent on coverage for my family of four was well worth it when compared to the over $400 bill for the ship’s doctor and an injection. This experience taught me that even seemingly minor medical issues on a cruise can be surprisingly expensive.
I used to think travel insurance was unnecessary since my credit card offered some benefits. However, when a flight cancellation caused me to miss the first day of my cruise, my credit card’s coverage was secondary and didn’t fully cover the missed port excursion. Now, for trips where I’ve invested a significant amount, like a $5700 cruise, the $220 I spend on a separate, more comprehensive policy gives me better protection for various unexpected events.
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