Denise - yes, we took RSSC's insurance. With having a 95 year old father, and several young grandchildren, and not to mention that our Medicare does not cover outside of the US, I put my foot down and said we were taking it. We did this for WINE as well. Frank is a non beliver in insurance, and even though he is much much smarter than me, he doesn't know everything!! And we are at a different point in our lives than we have been on cruises several years ago.