They pick the travel insurance their trip agent is suggesting or they may see that when they prepared their cruise the cruise company was offering travel insurance at a price that looked reasonable. Your tour agent is providing a particular plan or plans from a selected insurance carrier. Stats gathered from assorted surveys and sources around the globe are printed all of the time and, worryingly, they continue to show that a major proportion of folk still take chances by going on overseas trips without travel insurance. Plenty of the uninsured are younger people – the ones who are likely to get themselves into problems. Most insurance web sites include FAQ ( FAQs ) pages on their web sites, and have client service operators available to answer questions. If you leave travel insurance till the very last minute ( regularly done on the way to the aeroport. ) that is far better than not having it at all, but you are setting yourself up for possible problems. What about if the policy isn't satisfactory for what you've planned? There's a cooling down period where you can cancel and acquire a complete refund of the premium, but if you have recently left on your trip it is doubtful you'll do this – and instead just leave your destiny to luck.
The same is true with any type of travel insurance that's offered thru any travel seller like the cruise firm you prepared your trip on. Most plans have options and upgrades that you may want or need to offer you sufficient protection for your unique situation. Be particularly careful when you compare the medical travel insurance coverages and benefits.