Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website ...

Please view our advertising policy and product review methodology for more information. What does cruise travel insurance cover? And does it pay to buy cruise travel insurance? The answer is not ...