I always purchase it but I go outside of the policy offered by the cruise line. Always ask your travel agent what they use and get a quote. or there are several good websites online that you can buy it through.
“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.“