I've taken 6 cruises and have always taken the trip insurance. I guess I believe the horror story of the $10000. evacuation cost if you become sick at sea. Has anyone here used the insurance...for anything? Lost luggage, missed flights, damaged luggage, missed ships or anything else. Did your event come to a satisfactory conclusion? I know the cost can really vary ($25. to $100 or more} of course depending on the cruise. Do you cruisers think its worth the money.