Forgive me if this was covered before...
We are sailing on the 07/07/2007 cruise and I was just filling out the forms on DisneyCruise.com. (BTW they do not seem at all prepared for the Med cruises in their forms. You can only choose US airports to fly to or from even though you may be arriving from London or Paris, etc.)
I have been debating about buying
Travel Insurance to cover any unexpected medical expenses during the trip. God forbid that one of us gets seriously hurt and then needs to be flown off the ship to a hospital.
"Excuse me sir, your wife will be fine now. By the way, here is your $20,000 bill for the helicopter medical evacuation and treatment." 
STEP 1 - Call your insurance company and find out what your coverages are if you are out of the country.
My policy does provide coverage while outside the USA. If the injury is minor (i.e. no hospitalization)
, my carrier simply requires an itemized bill for minor services. I am responsible to pay up front, and then file the claim when I return to the USA.
If the injury is more serious, then there is a phone number for "Overseas Medical Assistance". They will coordinate all of the care and payment.
What about transport?
There's still that helicopter ride.
In my case, if the injury cannot be treated wherever I am, even on a cruise ship, then all transport including helicopter or other aircraft is covered.
I am glad that I called to check my coverage before shelling out money for insurance that I didn't need.
HOWEVER, the opposite might be true. You DON'T want to get caught thinking that you have coverage only to find out that you don't.
Know for sure what is and is not covered to determine if you need this insurance. Then you can buy just what you need, if anything.
Happy Cruising!
