Andi looks to be about 32 with her skin that has not grown the first line. I kept wanting to say that the premiums are not that large when you are so young!

I always get that CSA coverage, whatever I did after research several years ago told me to, I keep buying it, as much as I hate paying those premiums. I think because I am afraid of some fall, or a problem at home, either one causing me to cancel before or during a cruise. Too many kids and grandkids. Several years ago, I had an independent land trip interrupted after two or three days (a fall, and broken arm, needed surgery), had no travel insurance. No harm, everything was booked and not paid, and MedJet Assist took care of rebooking (in biz class) and paid all the fees. Big difference between this and a fully pre-paid cruise. I've always thought you had to decide at the time of final payment for the cruise. Maybe it just kicks in at the time you buy, in case something happens pre-cruise.

I'm just not a very good gambler.