The points @DrKoob and @rbslos18 have made well taken. I would also suggest not buying insurance from the entity whose performance you want to insure or an affiliated company...buy from a third-party insurer for a number of reasons...especially if you're planning time in a foreign country before or after a cruise.
I had a very enlightening phone conversation with Steve Dasseos of TripInsuranceStore.com a week ago. He has conducted a number of question and answer sessions on the Cruise Critic Cruise/Travel Insurance Board that have been quite informative.
In the past we have purchased our travel insurance online through InsureMyTrip.com and Squaremouth.com. Steve sells some of the same insurance at exactly the same price. He has excluded some companies due to their history of being difficult for his customers to work with when filing a claim.
We have the Chase Sapphire Reserve credit card so some of my concerns were how a third-party policy night interface with Chase travel insurance if there were a claim.
We have purchased the iTravelInsured policy twice in the past and were very happy with how they handled our claim for our fall 2019 trip to the west coast, Hawaii, and the South Pacific. On the TripInsuranceStore.com website the policy is referred to as IMG iTI SE. Click here for a description of that policy.
Here's what I learned from Steve who also has the Chase credit card and is well aware of its benefits:
The IMG iTI SE policy works well with Chase Sapphire travel insurance. You'll need to inquire if you have a different credit card that offers insurance.
iTI does not require you purchase insurance for the entire pre-paid amount of the trip. This allows it to work with other insurance such as Chase which provides $10,000 per person up to a total of $20,000.
There can be a substantial savings for trips costing over $20,000 for a couple...$10,000 for a single. As an example, for a $25,000 trip, we would need to purchase a $5,000 policy instead of a policy for the full amount. A reduction in policy amount does not decrease other benefits such as medical, lost luggage, etc.
The medical limits of a policy in addition to the one provided by Chase is important because it surprisingly provides only $2,500 in coverage...the IMG iTI SE policy provides $150,000 per person. This is from the Chase Benefits brochure:
The Emergency Medical/Dental Coverage provides reimbursement for Emergency Treatment if You become sick or accidentally injured while traveling on a Covered Trip up to two thousand five hundred ($2,500.00) dollars and is subject to a fifty ($50.00) dollar Deductible. If You are hospitalized as a result of a covered accident or sickness during Your Covered Trip, and Your attending Physician determines that You should recover in a hotel immediately after Your release from the Hospital before returning home, You may be eligible for an additional benefit of seventy–five ($75.00) dollars per day for up to a maximum of five (5) days towards the cost of a hotel room.
With iTI, insurance can be shifted to a different trip if the original trip is cancelled by the provider. Some travel insurance companies do not allow this.
With regard to Canadian availability, Steve states, "unfortunately, I don't have any plans for Canadians. I used to, but the Canadian government stopped US companies from selling plans there in 2018."
Incidentally, our Medicare Supplement plan F provides for the following...your benefit will vary depending on your plan:
We will consider 80% of Medicare eligible expenses for emergency care in a foreign country after insured has met a $250 calendar year deductible. Lifetime maximum for this benefit is $50,000.