Today I was reading a thread on a travel bulletin board that had several well meaning but incorrect statements about travel insurance. Here is the reply that I posted – you might find it informational:
There are a lot of misconceptions about travel insurance:
1. All plans are secondary. Incorrect. Most plans are secondary however, Travelex [...]

A question that has come up is if a person can get Cancel for Any Reason coverage for a trip that has the travelers flying standby. The main concern was that the travelers would not be able to get a standby flight in time for their scheduled cruise, therefore they were seeing if Cancel for [...]

Planning a trip these days can be a daunting process, especially if you are traveling to other countries, as some travelers found out the hard way. The reason I bring this up is that these types of situations are not covered by any travel insurance plans that I am aware of, so even though some [...]

You have several options when it comes to insuring your next cruise:

Self insure with what you have
buy the insurance or waiver plan offered by cruise line
buy 3rd party travel insurance plan

Self insure with what you already have. At the very least you should check to see if your regular health insurance covers you where you [...]