Just read your article regarding insurance vs. protection. Our family is cruising in Dec. 2012. We have already purchased "Travel Protection" thinking this was insurance from TraveLex. We have used them for all 4 cruises. Thankfully we have never had to use them. When I read some of the document I felt as if anything that could possibly happen was covered. Does the protection policy protect less when one does not go on the trip as opposed to sickness or injury while cruising? I cannot cancel as, per more reading, the 10 day cancelation term has already passed.
We are on a 7 night Eastern C. cruise. Our group is Myself, wife, 2 sons. Our total protection cost is roughly $130 for a cruise that cost roughly $2300.
What would be an estimated cost for insurance instead of protection and what is the best way to determine what someone is purchasing.
Thanks for all assistance.