I don't believe you have to purchase the travel insurance when you make the reservation unless it's 60 days before the cruise. Shop around! I purchased CSA travel insurance which is cheaper and covers more. It can also cover pre-existing conditions. I purchased the travel insurance because of my DD4's heart condition and my DM's general clumsiness.
We always purchase insurance. Life is too unpredictable. The $99 or less that you pay is very minor and worth the peace of mind. Maybe age or medical conditions drive most people to get the insurance, but whatever the reason, it's a good investment.
shop around....it's worth it for a 7 day in my book. We got insurance from Trip Assist (Access America) (800) 284-8300. AAA had their fliers and recommended them....fairly cheap but good coverage.
GET UP TO A $1000 SHIPBOARD CREDIT AND AN EXCLUSIVE GIFT!
If you make your Disney Cruise Line reservation with Dreams Unlimited Travel you’ll receive these incredible shipboard credits to spend on your cruise!