I highly recommend as well. My wife and I had 2 cruises booked for this past October (NYC to Bermuda, a one day break, then the Southern Caribbean out of PC). Did not buy trip insurance for either. This summer, my wife was diagnosed with cancer and had surgery in September. Chemotherapy was started in November. Her doctors kept saying that she would be able to take the cruises, so we did not cancel. A few days before the Bermuda cruise, she decided she was not comfortable traveling, so we cancelled at the last minute and forfeited 100% of the fare. We were hoping that she would feel good enough to travel on the second cruise, but unfortunately we ended up canceling that one as well and losing that fare as well. Since the doctors had said that she was medically able to travel, we probably would have needed a policy with a 'cancel for any reason' clause.
She is in between weeks of chemo, and we are going on a
DCL cruise that leaves this Friday.
Any future booking I make will include trip insurance with the cancel for any reason rider