It is obvious that Mr. Bendor had the wrong idea about what “protection” means here, and it is equally obvious that the operator was careful not to disabuse him of his misimpression. Instead, she read from a script that sounds lawyered to a fare-thee-well, a description that tiptoes, to the Haggler’s ears, close to the line that separates literally true from outright misleading.

You’ve booked your dream cruise and paid in full. In fact, you even went as far as to get the travel insurance the agent recommends. While the travel insurance does increase the price of your cruise by 10 percent, it is a small price to pay for the assurance that your vacation is fully covered, especially in these times. Who doesn’t want the ability to cancel a pricey vacation at any time and for any reason, without penalty. The healthiest among us can still get sick, family emergencies cannot be planned for one could even lose their job. Those are all reasons why it is imperative to at the very least investigate whether your current situation warrants you getting vacation insurance every time you book a cruise.

So, what happens when after you have booked your dream cruise and paid for insurance the company won’t pay up? Think it can’t happen to you? Well, read this article from the New York Times to see what this poor woman had to go through when tragedy struck. That is why in addition to deciding whether or not insurance is right for you it is equally important that you read the fine print.