If you find insuremytrip too confusing (too many choices) try tripinsurancestore.com They preselect the best companies, then you can do side by side comparison then you can CALL THEM and they'll help you make a decision. Ian recommended them and I was very happy with them. They recommended that he not get the pre-existing condition insurance and they recommended that I (and my sister) DO get it. Me because I'm being treated right now for issues. So they won't try and up-sell you. I had to buy mine within 24 hours of
final payment, but was able to get it.
So, if you are a first time cruiser and haven't made final payment yet (which is due like 6/29, right), you could get pre-existing coverage. I paid about $130 for $2000 trip cost for a 59 year old...your milage may vary. CSA Travel Protection is the plan and you can get it from both insuremytrip and tripinsurancestore.
Thank you for the info. I will call them and ask questions. I am concerned about preexisting conditions (don't know if mine qualify as that) but they can probably answer the questions.
Thanks all for the help you have given. You are very helpful to those of us who have never cruised before and have lots of questions. I for one appreciate the time you take to help those of us in "need".