So many scary stories - glad I didn't read these before my cruise.
One point I didn;t see is the fear of sick kids. Seems that my kids get a fever or other simple illness at the worst time - and I feared our luck would hold - even on the criuse I feared someone might get the dreaded throw-ups and be restricted to the cabin. All those events would have needed insurance - plus, as someone else mentioned, access free kids policy is SO cheap (one of the few benefits for single parents I have ever found). Our insurance was $62. Best $62 I never needed. I slept well.
Good luck
Barbara