Ask your travel agent for insurance. I know they have better policies for much less than the cruise line.
When I was young I rarely ever bothered with insurance. Now that I am older and my health is not as good as it once was I always get the insurance. So far I have never had to use it but it was worth the price gor the piece of mind.
“Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.“