Yes, its always a good idea to purchase travel insurance, you just never know what could go wrong and its better to be safe than sorry. There are a few companies that offer this protection, so check around. I've used CSA in the past with no problems, although I've yet to make a claim.
Hi, we have cruised 7 times and always get the extra travel insurance from Access America. You never know - an emergency or sickness could arise last minute that would keep you from taking your vacation. If you get the insurance (which is a minimal cost) its a safeguard that insures that you will get any monies spent up to that point. You would be foolish to pass it up. JMHO
We purchased and used CSA travel insurance. We'll feel it was the best price for what they offered. They were prompt in processing our request for refund because of doctors bills incurred on our last cruise.