I've been on one cruise, RCI's Voyager. I purchased the insurance for my husband and I, $200. I thought it was the biggest waste of money. I do not want to purchase it for our next cruise. I didn't read the fine print until after the cruise. This insurance is really only good if you miss the ship and have to fly to one of the ports to catch the ship. I thought, it would be for if anything happens, for instance, last minute change of plans, you have to cancel 10 days before departure. At least, I think they should receive a partial refund.
What do you think? Is insurance a deal or a steal? How many of you out there purchase cruise insurance?