I'm telling you, first hand, to GET INSURANCE!!!!
As stated in a previous post, I bought travel insurance for an Alaskan cruise just this past August. We were going with my sister, her husband and we were both in Junior Suites. We had purchased the cruise and insurance 1 year ago, around the same time my mom went into a nursing home; both of us thinking if something happened to mom, we'd be covered.
Well, my partner got diagnosed with cancer in July and started radiation and chemo immediatly leaving us no choice to cancel our cruise. My sister has since gotten "all" of her $$ back, just this past Wednesday, with took only 1 month. I sent mine in about 1 week later so should be getting my check soon.
Spend the extra few dollars because you never know what life is going to hand you!!!!