If you have any form of news or social media, you've seen the post regarding guest being left behind at cruise ports or flight delays. Assumptions are that the passengers would still be able to board their cruises, trains or excursions. However that would be incorrect. Cruise lines, trains and airlines follow strict timing. The times for each stop and boarding are posted in several locations. There are times that even with the best intentions arrival is late. Without a good travel protection policy, the guest would be responsible for purchasing their own flights to the next connection. They would be responsible for purchasing clothes or checking the lost and found onboard. With flights in cases of weather airlines are not responsible for delays or cancellations. These are considered "Acts of Gods" which by legal definition are acts of nature that cannot be controlled, like earthquakes or hurricanes. Mechanical errors are the responsibility of the airline, cruise, or other supplier. Airlines are responsible for providing an alternate flight to the destination. This may or may not include hotel vouchers.
With so many terms and conditions to wade through it is always a better idea to purchase travel insurance. These policies can help in all of the above cases but also may assist with the following: