I'm always confused as to who would be liable. For instance I'm thinking of hiking to everest and they warn you it is common for delays out of Kathmandu due to weather. Three days later I'm planning on doing a cruise out of rome which I got insurance for through the cruiseline when I booked.
If I miss the departure and need to catch the ship would the insurance pay as it was a weather delay getting me there? Or do I need a separate policy for the flight because it's the one getting delayed?