Just the thought of sipping a pina colada poolside on an upcoming cruise can be enough to put you into vacation mode. But until you get there, and sometimes, even after, there’s that nagging thought, “What if something goes wrong?” Most of the time everything does go according to plan, but it doesn’t really take all that much to throw a monkey wrench into your plans. Ships, unlike hotels, wait for no one, whether a passenger has a missed connection at O’Hare or a broken wrist in Martinique.

Travel insurance is one thing that can help to put your mind at ease about a cruise. It

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