I always purchase trip insurance when I go on a cruise. This time I didn't purchase my airfare with the cruise line. My question is: If something happens and my flight is cancelled or delayed for some reason and I miss the departure of the cruise ship...am I covered?
If you did buy the cruise line insurance you need to get a copy of the terms and conditions and find out. No one can give you an accurate answer without knowing the cruise line and type of policy you purchased.
I don't recommend cruise line insurance, though it's better than no insurance, because it covers the cruise line as much, or more, than it covers you. I do recommend third party insurance that covers all of your vacation.
You can purchase seperate flight or vacation interruption insurance. The link that Lisa gave is a good one.
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"There is a great difference between being well traveled and just having been to many places." ~Me
we purchased insurance through the cruise line, Celebrity, last time we cruised and it was a very smart thing to do.
We missed our connecting flight in Atlanta, due to weather, and then missed the cruise!
We were reimbursed for the three days we missed on the cruise, which was a hunk of money. The nice thing was, we were stuck in Miami and had a wonderful time there before flying to meet our cruise.
I always buy insurance and have used it twice. It's worth it.