No flames, please!!! I am asking a genuine question here... We are getting ready to pay off our cruise and currently we have it on file that we are getting DCL insurance. I originally chose them b/c I was told that if you cancel in the penalty period that any non-refundable amount could be applied to a future cruise. Not sure if that is the case anymore, soooo.... We are driving, so we don't need anything like baggage insurance, travel delay, etc. (I don't think travel delay covers driving, does it?) Our health insurance covers international destinations so we would have health coverage in the ports. What about the ship's doctor...how is that filed / covered? The one thing I don't know about is medical evacuation. That one kind of concerns me. Can you get coverage for just that? And what about trip cancellation? I had looked at Travlex Deluxe and it didn't even cover the entire cost of the trip with its cancellation...so what good is that?! DH is wondering if we need to get travel insurance at all...what would you get in our situation? Secondly, I'd like to know what insurance companies others have used and have had success making claims against? And if you don't mind sharing what were the circumstances, how good was the company to work with, and how easy was the process? Thanks!!!