I always buy trip insurance. Usually from CSA. I buy it not so much because of what might happen while on the trip, but because of what might happen just before the trip that would prevent us from going. I buy it not only for cruises, but for any trip of length (ski trips out West, scuba trips, etc) for which we have non-refundable prepaid costs that we'd lose if we had to cancel (for a covered reason, of course).
