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Cash reimbursement that airlines and cruise companies may not provide.
Most airline rescheduling policies and cruise companies' own insurance policies strictly limit allowable reasons for trip cancellation and offer credit only with a deadline and no cash reimbursement.
Protection for medical events — and from disastrous medical expenses.
Health insurance may not protect you from the potentially catastrophic expense of medical treatment while you're traveling, especially outside of the U.S., and likely will not coordinate your medical evacuation back home.
Baggage protection that your regular policies may not provide.
A homeowner's policy may not cover the expenses from baggage loss, delay, theft, and damage.
Value-added Travel Assistance services.
Travel Assistance services, such as ID Theft Recovery and Emergency Cash advance, provide you additional security and convenience at no extra cost.