Keep in mind that if you add a couple of days in a hotel plus airline flights, maybe a rental car etc, then you need to insure for those extra costs. I am not sure, but I think cruise insurance only covers the costs of the cruise. With insuremytrip, you tell them the total cost and that is what and when you are insured for.

Actually, quite a few Medicare supplement insurers cover emergency treatment outside the U.S. Our HMO, Kaiser, certainly does, but extra insurance is always a good idea.