Most, if not all, of the "package" policies include Medical Evacuation coverage to some degree. For example, I think the basic TravelGuard package policies cover at least $100,000 medical evacuation coverage, and that's per person. However, as you considered, the risk is extremely low in requiring a medical evacuation. I think the most common claim is onboard illness to help pay for onboard medical bills and if you are quarantined to your room, the insurer will reimbursement you each day you aren't able to enjoy the trip.
I think the peace of mind if there is a requirement to cancel or interrupt the trip due to a family illness or death and be reimbursed is also worth the price of insurance. Some more expensive policies allow cancellations for more broad reasons like "work obligations" or "any reason".
Also, If you plan on renting a car at any of the ports, many of the policies will help cover damage to the rental car.
As for the hurricane coverage, if the trip is disrupted for at least 24 hours, including missed ports or early disembarkation, then
travel insurance may reimburse you for those days. The most the cruiseline may offer is a discount on a future cruise or some onboard drinks to compensate for missing a port. You aren't likely to get reimbursed by
DCL for missing
Castaway Cay.
When you really look at the policies, even the basic ones are generally good. The differences with the "deluxe" and "basic" policies are generally:
1) the amount reimbursed in the event of a claim (i.e is it $2,500 for lost baggage or $500?) and;
2) covered cancellation/delay reasons (i.e Does it cover the Financial Default of airline? Does it pay only on death or illness? Is a work related cancellation covered? Can I cancel for any reason? What is a travel delay? Is it 5 hours, 12 hours or 24 hours?).