If you purchase your airfare separately from your tour or cruise, do not buy their travel insurance. Their travel insurance is priced to encourage a quick impulse sale. However, the reason the price is lower is they usually offer fewer benefits and lower coverage. In addition when you’re buying other coverage to protect your tour or cruise you might be ineligible for pre-existing medical condition coverage (or other coverage that require full value coverage) unless you also include the airfare when calculating your trip cost. Our recommendation is to buy one plan from a travel insurance provider that covers the entire trip and to insure to value.