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A travel professional would be able to help you determine if visas are required to travel to where you want to go. If they don’t know for sure, they know where to send you for that information and get confirmation that you do or don’t need one for the type of travel you are taking. For instance, for most cruises if you leave an U.S. port and return to the same U.S. port you probably don’t need a visa to visit the ports. This is called a “closed loop” trip. Always double check to see if one is needed. Again, not all travel insurance is created equal. Should you purchase travel insurance? Absolutely!!! I recommend to my clients not to purchase travel insurance, for the most part, from the supplier of the cruise or product.