In most cases by purchasing insurance through a travel insurance company, you can get better coverage for less money. Here are a few to check out, just make sure you find the right coverage for you:
We have used CSA and Travel Guard. CSA paid our claim in a timely manner with no problems. You can go to insuremytrip.com and see all the many different companies and what they offer. Many people recommend NOT purchasing your insurance thru the cruise line and buy it 3rd party. Never leave home without it.
Teresa and Larry
#36-Carnival Splendor 9/16/12
7 night Mexican Riviera
#37-Allure of the Seas 11/11/12
7 night Eastern Caribbean
its usually cheaper to do it on your own.
insuremytrip.com is very useful and helpful.
Just have the insurance- make sure you get trip cancellation/interuption and medical evacuation coverages those are the two that will cost you the most if you DON'T have it.