Anytime you travel you should consider having medical and trip cancellation.
Medical covers more then just medical but the cost of a medvac
back a hospital or to the US/Canada.
Even if you homeport in Florida , you still might have cancel for medical
or family reason's. If no insurance you would lose the cost of the
SS Ithaca , Volendam , Mariner of the Seas (x2) , Veendam , Coral Princess , Island Princess (x3) , Emerald Princess,Sapphire Sapphire (x3),Diamond Princess