I stongly recommend it, I always get the insurance, even for next years cruise. You NEVER KNOW when something unexpected will occur. I never had that problem, but know others that had. Unfortunately some found out the hard way that they were not getting ANY money back, others who had the insurance did. Don't you think it is worth loosing the $99.00 a person for a 7 day cruise than over $1000.00 per person if you cannot go for some emergency. I hope that will you never have to experience an emergency that causes you to miss any vacation.