1TRAVEL DELAYS
If your flight is delayed on the tarmack at O'Hare because of a snowstorm, or any other delay, the ship will leave without you. A cruise insurance plan will ensure that any "out-of-pocket" expenses needed to "catch up" with the ship are covered, or even provide a full refund. Or, your neighbor is driving you to the airport to catch that 8AM flight and gets a flat tire on the freeway and you miss your flight; or the taxi is stuck in rush hour traffic.....your covered!!

2IDENTITY THEFT
While in that beautiful foreign port of call, your purse or wallet is stolen. There becomes a risk of identity theft as well as the loss of cash, credit cards and other valuables. A cruise protection plan can provide help in ensuring the thieves don't steal your identity as well as replacing your valuables.

3LOST LUGGAGE
You arrive at the airport in Miami, but your luggage went to Reno! You have to board the ship tomorrow yet your bags won't arrive in Miami until after the ship sails. A cruise insurance policy will cover the expense of replacing clothes and personal items.

4MEDICAL
You get the flu a week prior to departure and the doctor says you can't travel; or, your daughter breaks her leg 2 weeks before the cruise preventing you from leaving. The cruise line will not provide a refund. However, if you have a cruise protection plan, your covered! Or, imagine yourself half way through the cruise and a medical emergency with a family member back home requires you to leave the ship and fly back. A cruise insurance plan will pick up all your out-of-pocket expenses. It can even cover you for "pre-existing" medical conditions!.

5SEVERE WEATHER
Several weeks prior to departure you must evacuate your house due to fire, flood, hurricane, tornato, etc. The cruise line will not provide a refund; but an insurance company will!

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