Canadians: Travel insurance - do you insure the whole cruise or just the flight part?

[Ahoyhoy]

I looked up travel insurance through Manulife Cover Me (5 travellers) and I almost fell over at the cost - $3,100 for the whole trip (2 nights at WDW resort, flight for 5, cruise for 5, and various other costs).

I know travel insurance won't cover any flight cancellation related to a government shutdown, I was not expecting such a big expense for insurance.

Our credit cards only do travel medical insurance, not trip cancellation.

 

[Love2Cruise2015]

I looked up travel insurance through Manulife Cover Me (5 travellers) and I almost fell over at the cost - $3,100 for the whole trip (2 nights at WDW resort, flight for 5, cruise for 5, and various other costs).

I know travel insurance won't cover any flight cancellation related to a government shutdown, I was not expecting such a big expense for insurance.

Our credit cards only do travel medical insurance, not trip cancellation.

As a fellow Canadian that does seem high. I book through CAA and my insurance for a 7 night cruise, flights and medical for a family of 4 is usually around $1,200.00

 

[tvguy]

Covid turned the world of Travel Insurance upside down. Went from the most profitable product insurance companies sold because there almost never were claims, to a much much higher risk product.
Our Disney cruise in 2003 for four cost $9,000 including air fare and I pulled my paperwork, Disney's top of the line travel insurance cost me $125. My Celebrity cruise in October 2019, months before Covid, cost $5,000 and they had their top of the line travel insurance on sale for $25 a person. My Princess Land Sea trip, 2 weeks, 2 people in September of this year, the basic Princess Travel insurance was 10% of the trip cost, the top of the line coverage was 12%, on a $12,000 trip.