Cruise insurance flight coverage

[Luvmypetz]

Hello and thanks in advance for the help! I’ve purchased insurance before, not through the cruise line, but never added flight costs as I used Southwest points to book and could cancel and get refunded. My cruise out of Rome next year only has an outgoing flight right now, the return date doesn’t go that far. A refundable fare is more money (obviously) but I’m curious, do I add the (non refundable) flight cost into the insurance quote to include cruise AND flight? Right now the one way is a $500 difference between refundable/non. I’m not sure even the no refundable will go down as I’ve been making mock flights for months.
Edit: NOT a DCL cruise

 

[lanejudy]

I’ve purchased insurance before, not through the cruise line

do I add the (non refundable) flight cost into the insurance quote to include cruise AND flight?

Third-party insurance or through DCL? If it’s the DCL-offered plan you can only add flights if purchased through DCL. If third party, yes you just add the nonrefundable value of the flights for everything to be covered (cruise+flights).