We encountered an issue during our cruise trip. We purchased the insurance believing it covered unforeseen events, but when the cruise line couldn't stop at the first port due to weather, we were informed it wasn't covered. This was disappointing, especially since we received a letter from the cruise line indicating it could be used for insurance purposes. I've had better experiences with another insurance provider in the past. I find this practice misleading and will not use this service again.
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Travel Insured offers coverage for trip cancellation (with cash reimbursement), out-of-network medical/evacuation, lost/delayed baggage.