Over the years, a majority of my cruises have been during hurricane season.
I take advantage of the low rates plus I would rather cruise than do a land based vacation during hurricane season because if the storm is headed toward an island, there are two options: 1. stick it out on the island or 2. try to fly home early. On a Cruise, the captain is able to navigate around the storm. So the itinerary may change a little, but at least the entire vacation is not ruined.
The biggest impact to a cruise vacation occurs if a storm makes landfall near the ships homeport. A delay in arriving back to homeport would lengthen one sailing while shortening the other. The cruise lines always make their itinerary change decisions based on the safety of the crew and passengers.
If there are impacts to the length of a cruise or if one is completely cancelled the cruise lines have always gone above and beyond on making it up to the passengers.
So why is Travel Insurance important? Tropical Storms and Hurricanes impact flights.
Hypothetical Scenario: Cruiser A lives in Boston and is cruising out of Miami. A Tropical Storm hits New York City and impact flights all over the US. Cruiser A has a connecting flight through NYC. Their flight is cancelled, so they do not make it to Miami for their cruise. The cruise departs as scheduled because the tropical storm is in NYC.
If cruiser A has a legitimate Travel Insurance policy, than they will be covered because their flight is canceled due to the tropical storm. If they do not have travel insurance, then they will not get a refund because the cruise departed as scheduled and they missed the cruise.
Having travel insurance which costs a fraction of the overall vacation investment is a huge stress reliever. While not missing a vacation sucks…missing a vacation and losing everything you paid for it is much worse. Make sure you talk to your travel agent or travel insurance professional for assistance on getting you the best policy for your needs.
In case you are wondering, I do recommend travel insurance for non-hurricane season too for all of the other unforeseen things that can happen while on vacation. For instance, the same scenario that I gave above could happen in the winter except that it is a snow storm in NYC that cancels flights.