A cruise is an excellent way of going on a vacation. It is probably for vacations like this that the old idiom “getting there is half the fun” was coined. Indeed, some holiday makers would rather stay on board the cruise ship than tour their destination ports. This is because today’s ships are more like floating luxury resort hotels than the old ships with nothing more than a bed in a cramped cabin. Today, cruise ships have swimming pools, state-of-the art theaters with first run films and live shows, casinos, video game arcades, fully-equipped gyms and spas, and gourmet coffee bars.

It would be a real shame if you have a reservation on cruise, or are already on board, and something untoward happens. First, you could miss your boat. With all the traffic in the city streets, it is not entirely impossible for this happen. Even if you make sure you would be there on time, there could still be a cancellation of the voyage due to bad weather, an unexpected engine malfunction, or some other unforeseen glitch. If the cruise pushes through, your baggage may yet be lost. Or worse, some global traveler might infect you with some dreaded viral infection.

That these terrible things should happen when you are supposed to be having the time of your life is bad enough. That you shouldn’t have a cruise travel insurance to cover your losses or your medical expenses would make things even worse.