The idea of insuring a % of the trip is a new idea to me.
I shall ask Susan to get me quotes on less than the full cost of the trip and see how they come out.
I'm trying to rack my feeble brain to come up with situations that would force us to cancel.
Since we have no pre-existing conditions, I can rule out a flare up of anything. Really, I can only see a horrible medical surprise concerning one of us or our daughter, and she has a husband to look out for her. If I had the awful medical surprise, Andi would still go & send me daily blogs.
Weather delays seem to be covered. Besides, we are going many days early. A day or two late won't cause us to miss the sailing.

So, as I see it, we are paying an additional 4-5% on top of the cost of the trip to protect ourselves from the financial loss of the trip due to being hit by a bus or finding out that one of us has an illness that cannot wait a month for treatment.

Am I missing anything here? You all have given such good advice & suggestions in the past.
I await the collected wisdom of this group.

Doug