Do you offer travel insurance that covers protests like those in Hong Kong, i.e. allows cancellation and reimbursement of payments made to cruise line, etc?
For this type of concern, you would need a policy that has "Cancel for Any Reason" as civil and political unrest is typically excluded with Trip Cancellation. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.