not at all. We don't even use the pools... But we do use beaches, and if something happens to our luggage, we'll at least have swim suits, sunhats, and flip flops with us. Plus, 1 pair of shorts and a t-shirt. So, all we'll need is a bottle of SPF lotion/spray.
Also, about the nausea meds - we never needed them until one day my kid became both sea sick and car sick very out of the blue. He never was until he was 10!!!!! And on one of the cruises my dad was all of a sudden very sea sick, but, thankfully, I had the dramamine for the kid, so it came in handy for my dad as well.
Insurance is such a thing - you almost never need it when you have it, but when you need it - bam, you don't have it.