jleg is correct, you can get much better coverage for less money than the cruise line offers. They basically cover what they should anyway .JMHO
We used the following link for our last cruise, and got great coverage. Fortunately we did not have to see if it was any good. They have a good record as far as I can find. Just shop around and go with what you are comfotable with.
Gary & Rox "554 CES Red Horse" "USAF" Fantasy 2-96 Glory Western 2-07 Ecstasy 01-08 Ecstasy Feb. 1st. & Feb. 6th. 2010 B to B Freedom 12-12-10 Freedom 09-24-11 Triumph 09-10-12 Triumph 09-15-12 Triumph 09-23-13 Triumph 09-28-13