You just have to evaluate what to=he odds are that you may not be avble to go. If you get sick or miss a plane you could be up the creek. When Cindy and I had to get off the boat in Alaska she stayed in the hospita lfor a week and then it cost us an additional $1500 to get home. That said I just paid for our 40th anniversary Med cruise last week and did not take the insurtance.