Emergencies happen when you least expect it. We highly recommend the purchase of Travel Insurance to protect your vacation investment. The cruise lines and tour operators charge hefty penalties for cancellation, generally ranging from the full deposit amount to no refund at all. In addition, there may also be charges from the airline and/or hotel that you’re using. Travel Insurance protects you while you’re out of the country, which most health insurance policies will not cover. This comprehensive, short-term insurance protection from Travel Guard covers various non-refundable cancellation charges:
Trip Cancellation & Interruption - Up to Trip Cost
Trip Delay - Up to $1000.
Missed Connection - Up to $1000.
Baggage Loss, Theft or Damage - Up to $1500.
Baggage Delay - Up to $500.
Medical Expense - Up to $50,000.
Emergency Medical Transportation - Up to $250,000.
Travel Guard Assist - Available 24/7
Note: If Travel Insurance is purchased within 10 days of making your initial vacation deposit, Pre-Existing Conditions will be covered. If you’re not concerned about preexisting conditions, this protection can be purchased at time of making your final payment.
Here are the cruise line cancellation penalties (Carnival Miracle 11/17/13):
After 9/3/13 - Deposit Amount ($250 per person)
9/24/13 - 10/19/13 - 50% of total fare
10/20/13 - 11/3/13 - 75% of total fare
After 11/3/13 - 100% of total fare