Travel On Your Terms

Travel On Your Terms Travel planning for anyone that wants to travel, enjoy foodie adventures, group travel, military and veteran travel benefits.

Independent Agent, of Outside Agents. Nobody's permission needed, no itinerary required.

Come join us on this awesome itinerary!!Email me @denise@travelonyourterms.com and I will be happy to get you booked wit...
08/18/2026

Come join us on this awesome itinerary!!

Email me @

[email protected] and I will be happy to get you booked with all the benefits and discounts I can.

08/08/2026

Super exciting news coming soon!!!

Keep watching!!!

07/25/2026

PART 3: Allianz vs. Cruise Line Insurance — The Real Comparison

I’m putting my own bookings on the table for this one. I’ve got a Virgin Voyages sailing and a Norwegian Cruise Line sailing coming up back-to-back this spring — so let’s compare what each cruise line offers vs. buying Allianz separately. 🔍

Norwegian Cruise Line — NorwegianCare
• Trip cancellation/interruption: up to your total cruise cost
• Medical expenses: up to $50,000
• Emergency evacuation: $25,000
• Trip delay: $500–$1,000
• Baggage: $1,500
• If your reason for canceling isn’t covered, you still get a 90% cruise credit toward a future sailing
That medical coverage is actually solid for a cruise-line plan — a real upgrade from their old BookSafe plan, which capped medical at $20,000.
Virgin Voyages — Voyage Protection
• Cancellation: up to 100% of trip cost (max $50,000)
• Interruption: up to 150% (max $75,000)
• Medical & evacuation: strong limits on paper
• BUT — only 6 covered reasons for cancellation, no Cancel For Any Reason option, and it only covers things booked through Virgin. Book your own flights or a pre-cruise hotel? Not covered.
• Cheaper add-on option: InVoyage Care ($49–$69) — onboard medical/delay/baggage only, no cancellation coverage at all.
Allianz OneTrip Prime
• Covers your ENTIRE trip — cruise, flights, hotels, excursions — regardless of who you booked them through
• More flexible cancellation reasons, plus the option to add Cancel Anytime (80% back for any reason)
• Runs roughly 2-3% of total trip cost
My honest take: If everything — flights, hotel, cruise — is booked directly through the cruise line, their plan can be a reasonable, convenient option, and NCL’s medical limits have genuinely improved. But if you’re piecing together your own flights (like most of us do to get a good fare), or you want real flexibility on why you can cancel, Allianz wins. It’s the difference between “insurance for this cruise” and “insurance for this trip.”
For my two sailings , here’s exactly how I’m approaching it:

“I’m going with Allianz OneTrip Prime since I booked my own flights into both ports”

👉 Cruise line insurance or third-party? Drop your pick below — I want to see where this crowd lands.

(These are specifically based on my information and criteria, yours will be different)

07/18/2026

Let’s chat travel documents! 🛂

Have you used facial recognition at airport security yet?

It’s a separate line from PreCheck and regular TSA screening — Touchless ID lets you skip pulling out your ID altogether. You just pause at the camera, it matches your face to your passport photo on file, and you’re through.

Here’s what you need to actually use it:

✅ A valid passport (book — this is the one that gets uploaded, not the card)

✅ Your TSA Known Traveler Number (KTN) — $78 online for 5 years, worth every penny

✅ You opt in through the airline’s app or website with your KTN and passport info

Currently participating: American, Alaska, Hawaiian, Delta, Southwest, and United.

Link to TSA’s info page in the comments 👇

Do you prefer PreCheck or CLEAR?

07/11/2026

PART 1: Why You Need Travel Insurance (Even If You Think You Don’t)

Let’s talk about the thing nobody wants to buy but everybody’s glad they did. 🛳️

I spent years watching guests at Riverhouse deal with life throwing curveballs — and travel is no different. A flight delay. A sprained ankle on a cobblestone street. A family emergency two days before departure.

Here’s the part that surprises people: cruise lines will not reimburse you if you have to cancel. Not your flight, not your excursions, not your cabin. You lose it. All of it, depending on how close to sailing you are.

And once you’re on the ship? If something goes sideways medically, your regular health insurance almost certainly doesn’t cover you at sea or in a foreign port. Medical evacuation from a ship can run well into six figures.

That’s what travel insurance is actually for:
✅ Trip cancellation/interruption — get your money back if life happens
✅ Emergency medical coverage — because your health plan probably stops at the dock
✅ Medical evacuation — the expense that can financially wreck a family
✅ Travel delay — reimbursement if a delayed flight means you miss the ship

I’m not selling insurance (although I can 😊) I’m telling you what I’ve learned the hard way, running a business and now planning my own cruises: the question isn’t “will I need it,” it’s “can I afford not to have it.”
Next up: I’m breaking down what Allianz — one of the biggest names in travel insurance — actually offers, what it costs, and where it shines.

👉 Have you ever had to cancel a trip last-minute? Did insurance save you, or did you learn this lesson the expensive way? Tell me below.

I cannot wait for my next Virgin Voyages cruise!!Did you know it’s adult only, free WiFi, all dining is included, free f...
07/03/2026

I cannot wait for my next Virgin Voyages cruise!!

Did you know it’s adult only, free WiFi, all dining is included, free fitness classes, free water, sparking water, soda and coffee and so much more!!!

Message me for more information!

If you’re interested in Space A travel here are a few flights for July.If need more information please message me, or go...
07/01/2026

If you’re interested in Space A travel here are a few flights for July.

If need more information please message me, or go to the AMC website.

🌺 No permission needed





Here’s a tip for my veterans on how to get free TSA pre-check, also how to sign up for facial recognition. This is Veter...
06/30/2026

Here’s a tip for my veterans on how to get free TSA pre-check, also how to sign up for facial recognition.

This is Veteran gold right here!

https://www.tsa.gov/precheck/military/vets-safe?fbclid=IwVERDUASt4FxleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEeaZDkGmB2JwQMvhduOiRnj2JrpPxKZkrL3z98igGrTlrBqm6HBtx0T4m3UZA_aem_PCkB9ApQ4cKdvokRVCFzRw




Can we leave this blank for now or something very simple since we don’t want it very searchable until the week of the 15th, and update it then?

06/21/2026

Cruise life hits different when it's yours. 🚢🌊

No itinerary approved by a committee. No waiting on anyone else to decide. Just you, the open ocean, and — if you're doing it right — dinner at the chef's table.

I've sailed on big ships to boutique lines, and I'll tell you this: once you cruise solo, you never go back to wishing someone else would just pick a date.

Tell me 👇
🚢 What cruise line do you swear by?
🍽️ Best meal you've ever had at sea?
🌅 Favorite port you'd move to if you could?

Drop it in the comments. I read every single one.

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