We buy insurance to cover the full trip
Twice I have had to use it the only cap was the coverage we paid for
$15000.00 refund the only cost was the insurance premium we got all our money back otherwise
I think the premium at the time was $500 PP
2nd trip we had to leave the ship 5 days into the 15 day cruise DH had a gallbladder attack
prorated refund included a tour I had pre booked in Wales
Make sure you understand what you are buying with insurance policies & what is covered