“If you don’t have travel insurance, you’re probably out of luck if you get sick or have to cancel your cruise due to other unforeseeable circumstances. Cruise line cancellation policies are notoriously unforgiving, complex, and inconsistent. Be sure to read the fine print because some cruise lines, such as Holland America and Norwegian, view a simple name change as a cancellation!”
So yes, make sure you know the fine print—and don’t make any changes to your reservation before you know what’s at stake. As for insurance, I never travel without it. I have an annual policy from Allianz, a partner of mine, which you can read about here.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.