I bought the insurance my last cruise(s) and again for our xmas 2015 cruise. On our first cruise my son became very sick. The insurance paid for the ship doctor visit as well as all the medicine the doctor prescribed and what we had to buy in the ship store that was related to his illness. Filing the claim was very easy and they didn't give us any problem. I was happy I had bought it for that cruise and happy again on our second cruise when we didn't need to use it!