I'm sure there are limits on the Costco (or other) insurance policies too. If you leave your house and fly to WDW and stay there for 2 weeks before going on the cruise, and all you've bought is insurance for the cruise, I doubt your 2 weeks would be covered. There has to be a dollar limit or at the very least a time when the policy kicks in, like maybe 24 hours before the cruise. If you fly 1st class and only pay for the coverage for the cruise, again I think there will be limits on what you can recover. No policy is going to cover everything, so just know what is covered. The OP gave a good warning. Nancy.