The point of a vacation is to escape from the everyday drudgery of your 9-5 job and get some much needed R&R. One of the most sought after vacations are cruises. Cruises are magical experiences in their own right. They can be classified as floating cities that offer guests a ton of amenities, loads of entertainment and overall amazing experience.

Now there are many steps to planning a cruise. First, you have to choose the cruise line. Then you have to choose the right package, choose any excursions that you want to do and figure out if you want to book any separate restaurants. This takes a lot of time and energy, so it's understandable that the last thing on your mind is travel insurance.

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Now you're probably thinking, "I'm going on a cruise. Why would I need travel insurance? It's perfectly safe!" And you would be right! It's no longer the days of the Titanic and cruises have many safety protocols in place. But that doesn't mean that the unexpected can't happen.

If you don't want to be caught unprepared, here are some ideas for travel insurance that cruise-goers have been very satisfied with.

Debating On Travel Insurance? Think Again!

As we mentioned earlier, the unexpected can happen, anytime and anywhere. One of the most common unexpected occurrences is cancellations. If you get hit with a family emergency and have to cancel, it's not guaranteed that you'll be refunded.

The same thing applies if the cruise line has to cancel due to unexpected weather or mechanical failure. Having travel insurance can ensure that your costs will be covered and you may even get the chance to rebook for a later date!

Health and medical scares are the best incentives to buy travel insurance. Yes, cruises are equipped with a medical facility, but they may not be able to handle a serious health crisis. Travel insurance covers your health expenses and ensures that you can access the proper care.

It's also wise to be aware of what your specific travel insurance offers in terms of accidents and injury compensation. Excursions and new activities open the door wide open for injuries to occur. We recommend that you ascertain what your insurance package covers before you decide to go bungee jumping!

Save Your Bank Account: World Wide Trip Protector

If you're planning a budget-friendly vacation and want the insurance to match, then look no further than the World Wide Trip Protector from Travel Insured International. This $242 plan will ensure that any delayed or lost luggage is compensated up to $1000. The lower luggage coverage is one of the less glamorous aspects of this insurance package.

For emergencies that require evacuation, you'll be covered up to $500,000. If for some reason, you have to cancel any activities or excursions off the boat, this package offers coverage. You just need to make sure that your cancellation is for a "covered" reason.

Worried About Cancellation? Don't Be!: Travel Guard's Platinum

Now, we understand: Life happens and, sometimes, cancellations are necessary. However, cancellations become less than convenient if you have a cruise booked. If you're worried about needing to cancel unexpectedly, then Travel Guard's Platinum package is the insurance package for you!

For $363, the package will cover any cancellations related to work. They also offer a cancellation policy for non-work reasons, but you'll have to pay extra. The package also comes with primary medical coverage. If any medical emergencies spring up, your expenses will be taken care of.

If on your trip you plan to rent a car, this package includes roadside assistance for any mishaps that occur to you on the road.

Your Health Is Top Priority: Travelex Insurance Services' Travel Max

If you want the highest coverage possible (with an emphasis on medical care), then Travelex Insurance's Travel Max package is your best bet. For $430, not only are you offered primary medical care, but you can also be taken to a hospital of your choice! No matter the hospital or the care that you need, the expenses will be dealt with.

When it comes to cancellations, you can cancel for any reason and it will be covered up to 50%. If necessary, you can upgrade to 80% coverage. It might cost you a little more, but it may just be worth it.

If you've got some driving planned and you're worried about accidents, fear not! The package comes with rental car collision coverage. If you run into some trouble on the road, you won't need to pay exorbitant amounts to repair a car that isn't even yours!