If you bored with your usual trip with car or even a plane, and you want to try some new experience travel, I think you must take the plunge and get a cruise vacation. To avoid something bad in ship and out of pocket costs, do not forget to cover your trip by travel insurance. It will make your mind keep in peace.

There are two ways to get your cruise insurance. Most of the cruise lines will offer you a travel insurance package that can be purchased, when you book your cruise. But there are also many insurance companies (independent), such as Access America, Travel Guard, and Travelex that can be purchased directly from the company or through a travel agent.

Most travel insurance provides coverage for trip cancellation, interruption, trip delay, emergency medical expenses, emergency medical evacuation, and lost or stolen baggage. And many companies provide a whole day assistance to help traveler replace a lost passport, rebook a reservation, or settle with other trip matters.

The cost of travel insurance is usually based on the traveler’s age and the trip cost. Generally, the insurance cost will run about 6 to 8 percent of the trip cost, but it can be less. For example, a 59-year-old traveler on a $3,000 cruise can purchase a Travel Guard “Protect Assist” policy for $145. A similar policy for the same 59-year-old traveler would cost $129 from Travelex and $131 from Access America.

There are some differences between insurance policies offered by cruise lines and those offered by independent insurance companies. Cruise offerings generally cost less than independent insurance companies, and they sometimes give more protection. But what you will not get, as a rule, is protection if the cruise line goes into financial default and ceases operations; independent insurers generally do cover such events.

Insurance policies offered by cruise lines just cover those parts of the trip that you purchase directly from them. For instance, if you drive to the port of embarkation, you will not be covered by them. But, with the independent travel insurance companies you can purchase a protection plan that covers the entire trip.