Traveling on a cruise is an exciting experience to try at least once in a lifetime. A cruise offers a range of amenities for adults and children, including live music, concerts, water activities, and delicious meals. However, embarking on a cruise means that one will be away from home for at least a day or two, if not longer. Having cruise insurance can help address various situations that may arise while on board the ship. Last-minute cancellation refunds One might have to cancel a cruise trip at the last minute for various reasons, including a family or health emergency. However, cruises have terms and conditions that may prevent the issuance of a refund. If one is faced with this situation, one might lose all the money spent on the cruise package. However, having a cruise insurance plan could offer complete reimbursement or credits. Coverage for missed cruises Sometimes, one might need to fly to a city to board a cruise. If the flight gets canceled due to extreme weather conditions, there is a high chance one may miss their cruise and not get a refund in the process. In such situations, signing up for travel insurance can help reimburse an individual for eligible meals, hotel stays, and lost prepaid expenses if a trip delay is experienced.

Travel credit cards offer a host of perks for travelers. Some such perks include discounted first-class flights, free checked baggage, complimentary meals, and elite hotel room access, among many others. To access these benefits, users simply have to use their accumulated travel credit points while being aware of the card company’s usage rules associated with their services. While this seems easy, it frequently leads to users making common mistakes with their travel credit card. 1. Allowing travel miles or points to expire Most travel credit points come with a set expiry date. This means that if users do not redeem these points within a certain amount of time, they will lose them once that deadline passes. Credit card holders who do not make the most of such use-it-or-lose-it rewards are essentially wasting this money. To prevent points from expiring, one can use them to make small purchases or redeem them for travel plans regularly. Further, it is important for cardholders to know the rules of their travel credit card. One can set calendar alerts on their phone to avoid missing out on travel credit card benefits due to expiration. 2. Buying points and miles when not needed Many credit card companies enable users to purchase miles or points flexibly to reach their next redemption faster.