Doug - I didn't insure twice. One of those I had to cancel and the other I needed to leave half way though the cruise. Call it Betty's bad luck. Every time I insure nothing happens and I am grateful for that. Now I always insure and at my age it is not cheap. ZODIAC is over 4 figures, but it's better than losing 5. I know you will make the decision that is right for you and Andi.
