I always cruise with my two girlfriends and book all the travel. I've learned to just add in the insurance to our cruise cost partly because I don't think they would think we need it until something happens. The peace of mine you get by having it is priceless.
You can shake the sand from you shoes but it will never leave your soul
Home is where you park your flip flops
Carnival - Fantasy 1998
RCCL - Majesty of the Sea 2000
Carnival - Inspiration 2009
Carnival - Freedom 2011
Carnival - Liberty 2013