I know tour operators don't want you to know because I posted some of the following information in a popular FaceBook cruise travel group, and the piece, after garnering dozens of comments, was removed by an administrator with a hand-slap for me — I was told never to supply such information again. Of course, the reason cruise lines and tour operators don't want you to have this information is because it affects their bottom line. When you buy travel insurance from them, they get a kickback from the insurance company.
Travel insurance, according to Ms. Mehta who is the chief executive of Squaremouth, a popular travel insurance company, said in The New York Times on 9 January 2025, that travel insurance costs 5-10 percent of the cost of the cruise or tour. So, a $5,000 trip might cost $250-$500 for insurance. That is, in my opinion, a totally unnecessary expense.
The tour and cruise industry would prefer I not tell you that you may not need travel insurance. But that is the truth. Let me explain why.
