We have always purchased insurance, you just never know when a helicopter may have to come out to the ship in the middle of the caribbean to lift you from the ship due to a major unforseen problem that might arise while on vacation.....we saw this happen on a cruise we were on, and thought to ourselves how expensive that helicopter rescue from the ship must have cost that passenger.
You do not however have to purchase it through Carnival, we purchase ours through private companies. Travel Guard International saved us quite alot compared to Carnival's ins. rates.
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