We always get trip insurance (never through the cruise line) and we book mostly casino cruises.
For the trip amount we put in zero since all that we paid is fully refundable. That way we are covered for medical and medical evacuations which is our main concern.
Being able to list the trip cost as zero greatly reduces our premium. We are in our 70’s and we’re able to get $250,000 in medical and $500,000 in medical evac (for primary coverage and not secondary) for $127 for a 7 day cruise….
We get our quotes and purchase our policies through www.insuremytrip.com