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We never bought insurance when we first started cruising. Unfortunately we have been on cruises that people needed it. On one cruise a fellow 54 years old and that had been in perfect health had a heart attack and did not make it. Another cruise we were on someone had a heart attack in Costa Rica. Thanks goodness she had insurance which paid for her to be flown by private plane back to Florida. I also had a cousin get sick when she was in Spain. The insurance paid for her hospital there and flew her home. I would buy insurance and hope you never need it. All you need is one thing happening and you would never complain about the cost. It is not that much for the peace of mind you would have. Jan
