Okay I will be the dissenter. It's not that I never get it but it depends on where I am going. Russia, got it but Hawaii, nope. The closer I am to the continental US, the more of a waste the insurance seems to be. I have over 2 dozen cruises under my belt and so I also look at it as being self insured. We were even booked on "Renaissance" for a $6,000 cruise when it went bankrupt and they had received payment in full up front. BUT since I paid via credit card, I received a full refund plus interest!
Could I end up spending the thousands of dollars I have saved over the years? Sure, but much to the industry's chagrin, being self-insured is cheaper.