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If you're investing your hard-earned money on a wonderful package/tour/cruise, BUY the insurance!! Protect your thousands of dollars for a fraction of the trip's cost. Ask questions of your travel agent, read the policy coverage...it will probably include features for travel delay, illness or death of travelers or immediate family members, possibly jury duty, baggage coverage, emergency medical assistance and more. I used to be a reservations supervisor for a cruise line, and barely a week went by that I didn't speak to a tearful would-be passenger who declined insurance, had an unforeseen occurence, and was penalized 100% because of the close-to-sailing refund policy. Insurance is a bet you don't want to win...but protect yourself- if you need it, you REALLY need it!