Never buy the insurance offered by the cruise line. Ask your agent to give you quotes. The agents usually have several other sources for this usually better coverage and lots less money. Insurance is important. You never know what can happen. Better safe than sorry.
“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.“