We go around in circles on this one every time I book a cruise. I used to insure every cruise and never made a claim. We could probably have a free cruise for all the money we have spent with CSA. Now we only insure for very expensive cruises. We had to make a claim for a canceled safari last year and thank heavens we were insured. However, they do NOT make it easy and practically drove my doctor crazy. I also cancelled a cruise this year for medical reasons before final payment. I didn't feel it was worth the trouble to try to get my downpayment back.

For our recent Panama Canal cruise I got a different kind of insurance. I can't remember what it was called, but it was through CSA. If we had canceled we would have been out of luck, but it insured us for evacuation from the ship and then home unlike Med Jet which requires a hospital stay.

So, after all that, the short answer is.....I would not take insurance for PALM. Hope this helped.