Originally Posted by stacecakes
this is our first cruise as a family and way more expensive an investment than the cheapie carnival ones we'd taken back in our college days. Is getting trip insurance the usual practice? Do most people do it? What kinds of things doesit take care of?
We always purchase insurance on our cruise. Medical is one reason. Trip cancellation or delay are another. Read the insurance carefully. If you read this post, you'll see that we had canceled our recent Disney cruise early last month due to Hurricane Sandy. Our insurance denied our claim because our house was not "uninhabitable" according to them. Fortunately for us, we insured through DCL so even though insurance denied our claim, Disney is giving us a credit for the full amount paid for a future sailing. Problem with insuring through DCL is that it is expensive. 8% of your cruise cost. Which is why we're considering alternatives right now.
After experiencing what we just did, I can't imagine going on a cruise without insuring ourselves. If our rescheduled cruise cost were lower (hence the DCL insurance cost) I have no doubt I would go with them again. But this is not the case...