I always used NCL insurance but then I (thankfully) got older. And older. I have used Allianz now for 4-5 years, for Cancel for Any Reason (I have a 100-year-old dad and a hubby with health issues) AND for worst-case-scenario of having to be airlifted to a hospital. It is especially expensive when I have booked a higher-end cabin. In that case, if it seems too much I just take off a couple thousand $ on the price of cabin. To my way of thinking, losing $2000 on the cabin is doable (but ouch)--BUT is better than being airlifted and treated in a foreign country and perhaps being charged $100,000. Which I don't have. I'd stick with Allianz, personally.