Insurance is a policy you should actually read
Prepaid trips, health, and weather are why people buy it. Read the document. Ashley does not invent coverage.
The policy is the product
Ask what is covered, what is excluded, what limits apply, and what documentation a claim would require. 'Travel insurance' is not one universal promise, and this page will not rank companies or invent coverage.
Questions worth asking before you buy
What prepaid money is at risk?
Cruise fare, resort deposits, flights, tours, and hotels can create different levels of financial exposure.
What cancellation reasons are covered?
A reason that feels reasonable in everyday life may not be a covered reason under the policy. Read the actual terms.
What medical or evacuation benefits exist?
Coverage, limits, exclusions, and coordination with existing health insurance vary by policy.
Are there time-sensitive benefits?
Some benefits or waivers can depend on when the policy is purchased. Use the policy documents for the actual deadline.
Protection decision vs supplier cancellation rules
Supplier rules tell you
- What the cruise line, resort, hotel, or tour operator may refund
- What cancellation penalties apply
- What the booking contract itself allows
Insurance policy tells you
- Which covered events may trigger benefits
- What limits and exclusions apply
- How a claim is documented and evaluated
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Related pages that actually help
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