Daniel Durazo

The one product that’s always on trend to put cruisers’ minds at ease is travel insurance, a big misconception we found in our survey was that many Americans (59.2 percent) believe their cruise line would be equipped to handle serious medical emergencies when in actuality, cruise lines often require passengers to be transported to the closest medical facility for treatment. Often local medical facilities may not be equipped to handle major medical problems and some cruisers may need to be evacuated by air ambulance to the U.S. for treatment.

Canceling a trip because you're afraid of contracting Zika is not something that a standard travel insurance policy would cover.