We aren't purchasing the insurance for the 99$ cruise, although we did for the $$$$$$ more costly cruise in January!
DH says "Send me your 50$ and I'll pay for your cruise if you can't go"..........(but the catch is we go in your place)...ha ha
Really though, I have a little concern but just don't think it will be cost effective IF your medical insurance will cover you for any unforeseen problems during the cruise.
Have a good trip, kackie