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Value of Travel Insurance

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We are signed up for an Italian cruise ( I know there are better times) in late Feb on MSG Fantastica maiden voyage.   

Questions on travel insurance:

Are there less expensive avenues for purchasing, not going thru the cruise line?  Where?     The costs of this trip are beginning to nickel and dime me, except its $100 here, $200 there. 

Thanks in advance for your suggestions!

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