● Licensed guidance. Real choices. Zero scare tactics.
Compare practical ways to protect your health and travel investment, with direct online quotes and help from a licensed insurance professional when you want it.
TRAVEL SMARTER
Start with the concern that matters most. We will help you compare available options from multiple providers.
For unexpected illness or injury when your regular health plan may not travel with you.
GOOD FORInternational trips, visitors, students and longer stays
For cruise vacations where prepaid costs, delays and unexpected disruptions may put your investment at risk.
GOOD FOROcean cruises, river cruises and cruise packages
For students who need international medical protection while studying or participating in an educational program abroad.
GOOD FORInternational students, scholars and study-abroad programs
NOT SURE WHAT YOU NEED?
Tell us about your destination, dates and concerns. A licensed insurance professional can help you identify the coverage options worth considering.
Contact Us ↓Benefits, limits, eligibility and exclusions vary by plan and provider. Coverage is subject to the actual policy wording.
BEFORE YOU CHECK THE BOX
Cruise-line protection is convenient, but convenience does not necessarily mean it offers the best protection for your particular trip.
Independent travel insurance, including plans available from Travel Insured International, may provide higher medical limits, greater flexibility and protection for more than the cruise itself. Protect Your Travels helps you compare before you buy.
| Coverage | Typical cruise-line protection | Travel Insured International |
|---|---|---|
| Trip Cancellation | ✓ Often covers 100% for specified covered reasons | ✓ Up to 100% of insured trip cost for covered reasons |
| Trip Interruption | △ Limits vary considerably by cruise line | ✓ Up to 150% of trip cost on Deluxe and Platinum plans |
| Emergency Medical | △ Limits can range from relatively modest to substantial | ✓ $50,000 to $500,000, depending on plan |
| Emergency Medical Evacuation | △ Limits vary substantially by cruise line and plan | ✓ Robust evacuation protection available |
| Flights & Hotels | △ Depends on what is insured and the cruise-line program | ✓ Eligible non-refundable flights, hotels and other trip costs can be included |
| Baggage & Personal Effects | ✓ Usually included, with plan-specific limits | ✓ Up to $2,500 on Platinum, with optional enhancements available |
| Trip Delay | ✓ Usually available, with varying limits and waiting periods | ✓ Available, with benefits varying by selected plan |
| Missed Connection | ✓ May be included | ✓ Available on Worldwide Trip Protector plans |
| Cancel For Any Reason | △ Some programs offer a future cruise credit rather than cash | ✓ Optional CFAR may be available on eligible plans, subject to requirements |
| Customization | × Usually limited to the cruise line's available program | ✓ Multiple plan levels and optional coverage bundles |
| Who Selects the Plan? | The cruise line offers its designated program | You select coverage based on your trip and needs |
THE BIGGEST DIFFERENCE MAY BE
Medical emergencies can become extremely expensive during international travel or when emergency transportation is needed. Cruise-line protection varies dramatically.
Essential $50,000 medical
Deluxe $250,000 medical
Platinum $500,000 medical
Do not assume all cruise-line insurance is the same. Compare the actual benefits before purchasing.
DETAILS MATTER
Some cruise lines provide a future cruise credit when you cancel for a reason that is not otherwise covered. That can be valuable, but a future cruise credit is not the same as receiving money back.
Eligible Travel Insured plans may offer optional Cancel For Any Reason coverage. Current qualifying Worldwide Trip Protector options can reimburse 75% of insured non-refundable trip cost, subject to policy terms, deadlines, eligibility requirements and exclusions.
SO WHICH SHOULD YOU CHOOSE?
There is not one answer for every traveler. A cruise-line plan may be appropriate for some vacations. For expensive cruises, international or longer trips, and vacations involving airfare, hotels and tours, an independent comprehensive policy may offer advantages worth considering.
We can help you review your cruise-line protection and compare it with independent travel insurance options. There is no obligation to buy.
This information is provided for general educational and comparison purposes and is not a complete description of any insurance policy or travel protection program. Benefits, limits, exclusions, eligibility requirements and availability vary by plan and state. Coverage is subject to the actual terms and conditions of the applicable policy or protection program. Always review the plan documents before purchasing.
QUICK COVERAGE CHECK
Choose the coverage that fits your trip. Each option opens the provider's online quote experience in a new window, with your licensed agent reference already included.
SIMPLE BY DESIGN
Destination, dates, traveler ages and the amount you have prepaid.
Review plan choices and key differences without sorting through irrelevant products.
Complete enrollment through the selected provider's secure purchasing page or with agent help.
HUMAN HELP, WHEN YOU WANT IT
Buy directly through an authorized provider link, or ask a licensed insurance agent to help you understand the choices. No pressure, just clearer protection.
LET'S TALK ABOUT YOUR TRIP
Tell us where you are going and what you want to protect. We can help you identify the coverage options worth considering.
GOOD QUESTIONS
No. Travel medical focuses on covered care while traveling. Trip cancellation focuses on eligible prepaid trip costs. Evacuation and rescue focuses on getting you from a difficult location to appropriate care. Some plans combine benefits.
As early as practical. Certain benefits may only be available when coverage is purchased within a stated period after the initial trip payment. Always review the plan requirements.
Yes, when a provider offers online enrollment. You can also request licensed assistance before purchasing.
No. Every plan has conditions, limits and exclusions. The policy certificate is the controlling document.
PRIVACY POLICY
If you contact us, we receive the information you choose to include, such as your name, email address, phone number, destination and question. Please do not submit medical details, payment information or other sensitive personal information through this form.
Protect Your Travels uses your information to respond to your request, provide information about travel protection options and maintain appropriate business records. We do not sell the information you submit through this website.
The contact form prepares a message in your email application. Your email provider's privacy practices apply to that transmission. Quote links lead to independent insurance provider websites, which have their own privacy policies and terms.
You may contact us to ask about information you previously submitted or request a correction or deletion, subject to legal and business recordkeeping requirements. Call (317) 758-7770 or email info@protectyourtravels.com.
Effective September 5, 2026