Presumably this company and its affiliates are in the Travel Insurance business BUT Be VERY Careful and READ the FINE print - both of the contract they offer and the contract of the cruise or other travel event you seek to cover. Chances are very good there is an exclusion that they will "eventually" use to deny a claim if you are forced to make one. They adjudicate there own claims - despite a certain amount of misdirection on the subject. They certainly read the facts narrowly and in a manner that supports denial. CHECK on their record of paying out on any claims. DO your research and don't just choose them because they are linked to the Cruise line or other travel package you are considering. NOTE: Berkeley Care is aligned with AON Direct Insurance and National Union Fire Insurance Company of Pittsburgh, Pa. read more