Although airlines will reimburse up to $3300 if they lose your bag on domestic flights, cruise companies limit their liability to $100-$300 a bag. Most cruise companies are not responsible for jewelry, electronics or other valuable items. Even locking them up in an in-room safe or at the purser's desk will not change the $100-$300 ceiling. To protect your bags, you must take out travel insurance. Don't bring what you can't afford to lose. Make your bag stand out with colorful tags or straps. Put your contact information inside and outside your bag. Finally, always read the fine print of your sea voyage contract.


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