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Take the Insurance.  Look at CSA's web site. Good rates too.



<http://www2.csatravelprotection.com/csa/do/csa/dispatcher;jsessionid=B24252268221D87792C30945725358E4?forward=twelcome&phc=bqpjbp6khnh9p>


Here is one reason to take insurance. It's from my Mercury review of a few weeks ago.



 One passenger twisted his ankle playing volleyball and had to have x-rays in Cabo San Lucas. (The x-ray machine on the ship was not working). They charged $800 CASH plus $100 each way for an ambulance ride to and from the ship.


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