I am planning on a river cruise next year and since it's so far off, travel insurance is a good idea. I can get it through the cruise line and could get trip cancellation insurance, which deals with covered reasons (including medical), and also cancel for any reason, which costs more and covers 80% of the costs--not all. The travel agent says she favors the cancel for any reason type. Any thoughts on whether the extra cost might be worth it?
Also, my credit card includes cancellation insurance up to $10,000, which is more than the cost of the cruise, but not more than the cruise and other expenses like air fare and any travel before and after. Including those on the cruise line insurance would increase the premium. I was thinking of using that (in whatever kind I get) for the cruise only, and relying on the credit card insurance, which has no extra cost, for the other things. Has anyone ever done that?
Input most appreciated!