Just make sure you look at the total price of the cruise and what the (so called free Insurance covers) Nothing is free. You can get insurance for what you want covered. Just the cruise, or cruise/air/hotel. We get insurance to cover from the time we leave the house till we get back. Costs alittle more but no problems along the way. If there are problems with weather, airlines, lost luggage. It is something that you must read and figure out what is best for you. If you can afford to loose the money if something happens, take the chance.