I take out insurance whenever I travel for several reasons.
I have a grandmother turning 90 in July
I have kids and you never know what can happen
For the medical insurance. I in fact became sick on a recent cruise to Alaska and had to see the ship doctor and get medications totalling $110.00 which I received full refund from the insurance company when I returned home and filed a claim. The insurance cost me $67 so it paid for itself and then some.
You just never know what can happen and I don't want to worry about $ incase something were to happen.
Protects you against cruise line default