(This insurance is not expensive, but your trip is)

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• Your flight has been canceled or carrier has organized a Labor strike.

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• Your bags are lost and your medication is in it. You need to have an emergency prescription filled.

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• Your passport and wallet are stolen, and you need emergency cash and a replacement passport.

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• You're involved in an accident and adequate medical treatment is not available. You need medical evacuation.

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• You need to cancel your trip due to illness, injury or death of a family member or business partner or travel companion.

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• Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable expenses covered.

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• You have missed your cruise departure because of flight delay or bad weather.

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• You have a medical emergency in a foreign country.

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• A terrorist incident occurs in the city where you're planning to visit and you want to cancel your trip.

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• A hurricane forces you to evacuate your resort, hotel or cruise.