Standard insurance policies often fail when it comes to travel, as do most credit card companies who offer limited protection.
When it comes medical insurance you may have coverage through your employer or a third party, but depending on the country you’re visiting there may be out of pocket expenses just to get assistance. In the case of credit card companies some provide only limited or no coverage when it comes to a delayed flight that causes you to miss a cruise.
It’s a proven fact that travel insurance with medical coverage can save you thousands of dollars in the event that you need to be treated by adequate medical staff - or experience unforeseen travel glitches.
If you have an upcoming trip planned, take it upon yourself to look into travel insurance.