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I highly recommend securing a separate insurance policy that covers either the entire cost of your cruise or the entirety of your trip.
Credit card travel insurance often comes with significant exclusions.
It’s advisable to contact your credit card provider and inquire about specific coverage details before relying solely on them.
Personally, I utilized World Nomads for my last cruise (fortunately, I didn’t need to make a claim).
Additionally, some cruise ships offer their own insurance for the portions of the trip booked through them.