thomas thanks for the information. We are Military so our insurance covers us where ever we go but for the other stuff alone it sounds worth it. Do you know how much it usally cost for this and where do you get the insurance? Is it through your cruise line? Well i don't care about missing a port of call it's all an adventure for us. My DH and i haven't been on vacation in 8 years and we have 2 1/2 yr old twins and a 10yr old and to us just getting some alone time is all that matters. We are looking forward to this cruise and just plan on taking it easy and enjoying each other. DH is in afganistaind for his 2nd tour so it's been a while since we've had some time together and time alone. We would be happy stuck in our cabin all cruise as long as we still had room service that is. lol thanks again!