[Avista]

Bonny and Others, We have done about 5 cruises, so are not completely new, but do have some questions.
The first 4 cruises, we went through a travel agent. With the cruise we currently have booked, we went through Royal Caribbean's web site and bypassed the TA. Those you you who are very experienced cruisers--do you always use a TA or book your own cruises? What are pros and cons?

Second question is concerns insurance. First 4 cruises we purchased insurance. This last cruise is only a couple months away and so far have not purchased it. Our Medicare Medigap Insurance covers out of country illness, but that is all. Do you ever take a chance and cruise without cruise insurance, or do you always purchase it. If you purchase it, do you get it through your cruise line or some place else? Thanks.