We allways get travel insurance. We have used twice. Once when i was injured a couple of days before a cruise and another time when my MIL passed away and we went to her funeral instead of going on the cruise we had booked.
Carnival Liberty New Year's Eve 2007
Liberty of the Seas 5/2008+11/2009
Allure 1/16/ 2011
Independence of the Seas 12/29/2013 Booked!