In selecting a policy, shop around and choose the one that best suits your needs. Online brokers such as InsureMyTrip.com and SquareMouth.com have handy side-by-side comparisons of what’s covered for what price, but don’t let that be your only resource. Pick up the phone and talk to a travel agent or insurance broker, or directly with the insurance provider, before making a decision. Explain all of the potential scenarios that such as sick or elderly relatives, weather concerns, or potential job loss.
More importantly, always read the policy thoroughly and make sure you understand what is, and is not, covered. Sometimes those who buy insurance have their claims denied because of misunderstood nuances within the insurance policy.
See the full article from PeterGreenberg.com at: http://www.petergreenberg.com/2013/03/03/two-reasons-to-buy-travel-insurance-for-your-next-cruise/