As Mike said, there is no way the cruise line knows unless they purchase it through them. I would guess that, and it is only a guess BTW, that maybe 35% have insurance. Very few first timers have insurance simply because they fully believe that their insurance covers them, which it does not. Other simply don't think of it or think the price is high enough and they are healthy enough to take a chance. We here at CM highly recommend that you do get insurance and we can cite examples of how and why you should. Some of them personal experiances that had they not had the proper insurance they would have paid hundreds if not thousands of dollars out of pocket. I dearly hate insurance companies and think it is a rip off but unfortunately they are a necessary evil.