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If you are buying an Antarctica cruise, check the fine print on your credit card insurance policy because most credit card travel insurance won’t cover such an expensive trip.
It’s just like car rental insurance doesn’t cover exotic cars.
Also, I heard of a horror story where someone had Antarctica travel insurance and their flights got canceled so they missed their cruise departure and travel insurance wouldn’t cover it.
If you are spending $30,000, I wouldn’t be too concerned about spending another couple hundred to have peace of mind.