Although your homeowner's insurance, medical insurance and various credit card policies/agreements may cover some or all of losses or expenses that result from delays, cancellations, lost baggage and other expenses incurred prior to or during your travel, you may wish to consider purchasing insurance designed specifically for this purpose. Though the coverages offered by Cruise Tour and Travel and Protect Assist are similar there are some subtle differences. Be sure to compare the description of coverage and the advance purchase requirements of each. Prior to purchasing additional insurance, you may wish to check with your current carriers to determine their limitation of coverage when traveling.