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Cover will be available for your needs, but don't just focus on price alone, make sure that you have the right levels of protection and if you are in doubt, speak to a broker or call the provider to check." One policy that Biba was not able to provide a clear comparison for was cruise exclusion, which covers the cost of getting medical treatment to a traveller on a cruise, or getting them to shore.If this is not covered, a traveller who has to be airlifted to hospital, for example, could be landed with a steep bill.Biba examined 15 leading single trip travel insurance policies to compare the level of cover available.Graeme Trudgill, Biba's executive director, said: "There is a massive variation of policy cover and wording through the many competitive travel insurance policies.

The turn up may have been real, but the couple did manage to spend some quality time together without the kids.

Biba experts examined the 15 single-trip policies for their cruise exclusions, but found that in many it was not mentioned.

Some providers even have separate cruise policies, making it more important to check what is covered before you travel.

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