Q: My fiancee and I are booking a Mediterranean cruise for this fall. My 10-year-old dog is not in the best of health, and I'm concerned that we might have to cancel at the last minute. Would trip insurance cover that situation
A: We were in a similar situation some years ago. We purchased cancel-for-any-reason insurance. It was more expensive, and we didn't have to use it, but we were glad the option was there. Most trip insurance plans cover cancellations only in the event of illness or death, either your own or a family member's. Some may cover work-related cancellations. It is highly unlikely that a pet's illness will be covered - even if we consider them family members - so if you are truly concerned, a cancel-for-any-reason policy is probably the way to go. Your travel agent or insurance agent can help you find an appropriate policy.