I have no experience with the insurance, but you should try to go to the search page in cruise mates and type in something about carnival insurance. But make sure you only choose the carnival forum.
Carnival Dream for Thanksgiving
Eastern Caribbean- 11/20/2010
Carnival Ecstasy (4 Day Baja Mexico) 2003
Carnival Pride (7 Day Mexican Riviera) 2007
Carnival Spirit (8 Day Exotic Mexican Riviera) 2007
Carnival Freedom (7 Day Western Caribbean) 2008
Carnival Elation (4 Day Baja Mexico) 2009
Carnival Spirit (7 Day Southbound Alaska) 2009
Please make sure you get travel insurance. There is a post in the celebrity section of these message boards about a couple who had to cancel their cruise the day of the cruise. It was an alaskan cruise they paid almost 5 grand for an they did not have insurance. They are out the money.
Fantastic suggestion about the evacuation coverage. I'm checking my policy as soon as I get home. We first purchased travel insurance for the fact we would get our cruise money back if we couldn't travel but then I saw a story on the news about a woman who went to Egypt and broke her leg so badly she needed surgery. They said she paid $16 or so dollars for the coverage and it paid everything in full. That right there forever sold me on travel insurance.
I just bought the insurance from Carnival for an upcoming cruise and it looks like I could have gotten a much better deal from a 3rd party.. anybody have anything good to say about the plan Carnival offers?
2008-Valor and Glory
2009-Spirit and Splendor
2010-Freedom of the Seas and Mariner of the Seas
2012-Allure of the Seas and Navigator of the Seas