depends on the price point and my personal risk
bought a cheap cruise for the kids, probably moderate risk they end up missing out, but it was so cheap I wasn't going to spend 1/5 of the cost on insurance.
bought a fairly expensive cruise to Alaska by my standards and bought the 75% insurance at about 1/10 the cost.
Cruises run on a tight schedule so I think there is added risk versus flying in and going to a hotel room.
I made sure to read the fine print to address what I thought was reasonable exceptions.
Last edited by KFWA; 09/24/21.
