Any claims can easily be settled when complete documents are presented by the traveler
. Travel insurance coverage has changed with time as seen through the years. Cancellation costs are settled but not when trips are cancelled due to illness by people who are sick at the time of their application for coverage.The insurance companies are dealing with excuses and claims that are in no way viable for settlements. Depending on the company, the deadline ranges from 24 hours to seven days after the initial deposit has been paid. There is a chance of getting travel insurance over the phone or from the cruise line offering the trip.Default will always result to useless policies when these are bought. Third parties are the best option to get insurance. When availing of a coverage plan deal with a travel agency.