 Cruise lines, tour operators, airlines all prefer you to buy from them because they make money when you do, and oftentimes it's as simple as checking a box. Some cruise operators use scare tactics to get you to buy through them, but those policies may be less robust and don't provide the kind of protection travelers are hoping for or may need. Also, you may not be able to get a refund from cruise lines for insurance, only a future cruise credit.