Travel insurance can be relatively inexpensive, especially when you consider how much you could lose if something goes wrong before or during your trip. Accidents, medical emergencies, illness — even lost baggage — all can quickly add up and turn the vacation of your dreams into a nightmare.

An illness, an accident or an unexpected situation can arise before or during any type of vacation. Such an event might cause you to cut short your cruise or cause your trip to be canceled altogether. Unfortunately, most cruise lines impose penalties for canceling a cruise within 75 days of departure, up to and including loss of the entire cruise price. A few lines penalize for cancellations as much as 90 or 120 days in advance of departure.

Purchase your travel insurance from an independent insurer like Allianz Global Assistance through Geography Destination Travel Agency when you make your deposit for a trip. This is usually the best time because the policies contain an exclusion that can be waived for existing medical conditions when purchased within 14 days from paying your trip deposit.

While many cruise lines and tour operators offer their own travel insurance, they may carry less coverage, benefits may stop between 24 and 72 hours before departure and, should the supplier go out of business or into bankruptcy, your policy may be worthless. Geography Destination Travel recommends travel insurance from Allianz Global Assistance. Through Allianz Global Assistance, policies are available that allow you to cancel anytime up to the last minute. Subject to certain exclusions.

Insurance Coverage and availability for U.S. Residents only.

For more information, contact your Geography Destination Travel Consultant for assistance in selecting the travel insurance policy that’s right for you. Please note that terms, limitations and exclusions apply to the insurance protection benefits and services mentioned. A complete description, including a detailed list of exclusions, conditions and limitations, will be provided to you by your Geography Destination Travel Consultant upon purchase.