Travel Insurance - worth it?

I'm not sure if you book the cruise on the DCL and book your flights separately if that could be added to the policy.
DCL insurance only covers what you book through DCL. Outside insurance (such as Travel Guard or any insurance on sites like www.tripinsurancestore.com or www.insuremytrip.com) will reimburse any covered non-refundable expenses (up to your policy amount limit), no matter who you book it with.

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