Marc, what you're saying makes good sense to me. We never insure and KNOCK ON WOOD, we've never regretted it. If we were to cancel at the last minute and lose 100%, we'd still be way $$$ ahead. The high premiums for our WC's alone would have paid for a very nice cruise!

In our case, we've canceled many cruises and never even lost the admin fee Regent charges as we have always rolled it into another cruise.

I know many want the peace of mind, individual choices, no right or wrong...guess we've just lived on the edge. We do have emergency medical coverage out of the country and Med Jet, wouldn't be without that. Have never needed either but this does give us peace of mind.