It's never a good idea to purchase insurance through the cruise line. Go to insuremytrip.com, and type in your particulars,and, ths will give you the ability to get side by side, comparisons for many carriers.
You will also have the ability to speak with an agent if what you are seeing, gets confusing. The medical is very important..we had to use it...trip interruption and baggage loss as well. Your travel agent should be able to advise you on these companies,
You will see the cost pp, is not that expensive and it will give you peace of mind...rolling the dice at any age without travel insurance, is a gamble. Knowing you have it,and hoping you never use it, is what it's all about. Let us know how you make out.
Trip, with her book & tea!
Chat Hostess & Board Moderator