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You need ins. if something happens or someone gets ill either on your cruise or in your family. We would NEVER cruise without it. For those that have been lucky and never needed it, that is great, but you never know, none of us do and that is why people buy ins. We have been on 18 cruises and not used it UNTIL the 19th cruise and boy were we glad we had it! OK , here is one example: you have a cruise booked and paid for. It is 2 days until you cruise and a family member becomes very ill and you can't make the cruise. You cancel the cruise and loose all your money because they do not give refunds after a certain # of days prior to the cruise. Or same thing happens and you have ins. and you file a claim as we did and you get your money back! Ins. is for things that happen when we don't expect them to happen. It is just like having health ins. maybe you don't use it but you have it if you need it. JMHO

<blockquote data-quote="ljeanbrown" data-source="post: 700023"><p>You need ins. if something happens or someone gets ill either on your cruise or in your family. We would NEVER cruise without it. For those that have been lucky and never needed it, that is great, but you never know, none of us do and that is why people buy ins. We have been on 18 cruises and not used it UNTIL the 19th cruise and boy were we glad we had it! OK , here is one example: you have a cruise booked and paid for. It is 2 days until you cruise and a family member becomes very ill and you can't make the cruise. You cancel the cruise and loose all your money because they do not give refunds after a certain # of days prior to the cruise. Or same thing happens and you have ins. and you file a claim as we did and you get your money back! Ins. is for things that happen when we don't expect them to happen. It is just like having health ins. maybe you don't use it but you have it if you need it.&nbsp; JMHO</p></blockquote><p></p>

[QUOTE="ljeanbrown, post: 700023"] You need ins. if something happens or someone gets ill either on your cruise or in your family. We would NEVER cruise without it. For those that have been lucky and never needed it, that is great, but you never know, none of us do and that is why people buy ins. We have been on 18 cruises and not used it UNTIL the 19th cruise and boy were we glad we had it! OK , here is one example: you have a cruise booked and paid for. It is 2 days until you cruise and a family member becomes very ill and you can't make the cruise. You cancel the cruise and loose all your money because they do not give refunds after a certain # of days prior to the cruise. Or same thing happens and you have ins. and you file a claim as we did and you get your money back! Ins. is for things that happen when we don't expect them to happen. It is just like having health ins. maybe you don't use it but you have it if you need it. JMHO [/QUOTE]