I'm in the Diane camp. At my age, I never know when a medical "thing", or death in the family or whatever is going to descend upon me, and I need to cancel or cut a cruise short. I've got Medjet Assist, too. Lots of money going out, but I feel comfortable with this, whereas others are willing to take the risk nothing will go wrong on land before a cruise, or on the ship. Might not have felt this way in my 50's!