Purchasing travel insurance

Actually, anyone you purchase insurance from is going to make money on it. Neither the cruise line nor the travel agent charge extra commission on top of the cost of insurance. The insurance company writes the insurance for a set amount. They pay commission from that amount back to the retailer or cruise line. Additionally, one insurance company may have many different prices for the exact same policy, depending upon who they are writing the insurance for. The cruise line and the agent are, in most cases, selling a product like TravelGuard, TripMate, Travelex or Access America, among others. Check out all three options (cruise line, agent and insurer) and go with the most coverage for the least expensive price. Prices flucuate all the time. This time your agent may have the best price. Next time it might be the cruise line or the insurer. Just be sure to check reimbursement method. Some travel providers (cruise lines, tour companies) only reimburse through future travel credit.