Why travel insurance can save you thousands

One ER visit in the US averages $2,715. Follow along — tomorrow: ship excursions or booking your own?

Neither Disney Cruise Line nor Royal Caribbean requires travel insurance to board, but both strongly recommend it. Here's why: a single hospital day in the US tops $3,132, and a treated appendicitis can run $30,000 to $50,000. Federal law (EMTALA) requires hospitals to treat you in an emergency — but that law doesn't erase the bill, it just delays it until you're back home.

The good news: a full policy for a $5,000 family cruise runs $200 to $600, just 5% to 8% of the trip. It covers medical emergencies, cancellations, and cabin confinement.

Want help choosing the right policy for your next trip to Orlando or the Caribbean?

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