Cruise and Winter Extras Add Another Layer

A policy can seem ordinary until specific types of travel, like cruises or winter trips, start to matter. While reading https://www.globelink.eu/annua....l-travel-insurance.h I noticed that cruise cover is included and that 17 days of winter sports cover are free on 45-day-plus options, which gives annual cover a broader feel. Do included extras like these influence your decision early, or only once the trip plans become more specific?