I know some people fully insure for total cost of cruise while others never insure (except maybe for MedJet). I have a question for those in the middle; i.e., sometimes they buy insurance and sometimes they don't.

What goes into decision on whether to purchase insurance? Length of trip, sick family members, distance from home, karma? Do you usually insure for the full cost (possibly including air) or do you only partially insure?

We are trying to decide whether to get insurance for PALM. It would be between $450 and $500 to cover the $9800 net cost of cruise after KLT Rewards (the max loss if we cancel right before sailing). On our last cruise my workplace health insurance paid full cost so I never had to make a claim with travel insurance; I think that was a fluke but could happen again. We have easy flights into and out of Miami with no stress on connections. Delta has never lost a bag in quite a while and the worst that can happen is a bag showing up two days later in Nassau. If we need to be evacuated; most of trip is in USA with only three days in Bermuda; we can stay on board for that period of time and get to hospital in Virginia.

If ever we were not going to purchase insurance; this seems like the trip.

So, I am looking for insight from others that make the buy/no buy decision on each cruise.

thanks,

Marc