Selket
Been there - done that
- Joined
- Feb 28, 2000
- Messages
- 4,855
But I'd recommend insurance - lots of variables with a cruise (or more than with a land vacation) so I would insure the trip. (It's something that can be added later, it doesn't have to be purchased when you book the cruise.)
I just wanted to add that if you (or anyone in your party) has a pre-existing medical condition that generally to get that covered by travel insurance you have to purchase the insurance within a week or two of booking the cruise to get the condition covered (and be medically fit to travel when you book - it is complicated). My younger son has medical issues so I did a lot of researching of travel insurance.
But it is true that if you don't have those medical issues you could buy it later - just buy it also before there are any named hurricanes that could affect your cruise too.
The cruise is awesome.

I did poke around on the DCL site pricing cruises in July and more off-season (like Sept/Oct) and it seemed to me that in July it was about the same price per person (adult or child) to cruise. Adults were more than kids but not so big a price difference as I found in the Fall (for cash). I can't remember how that compares to the points you spend to cruise but in the summer it might be more worth it to pay in cash for the adults and put the kids on points.