I strongly recommend trip insurance to protect your investment and provide peace of mind, since cruise line penalties for cancellation apply as your trip date approaches. Trip protection coverage also can provide medical coverages and transportation home in the case of an accident. This coverage could save you thousands of dollars in the event of an unfortunate accident. Coverage is offered by the cruise line or can be purchased from an independent source. One advantage of an independent source is the coverage can be customized if you have special requirements and usually is more comprehensive than what is offered by the cruise line. Make certain you clearly understand what is covered.