[dtennent]

While we did not buy travel insurance when we were younger, we do now. Given what happened when Vantage Travel declared bankruptcy, I now purchase travel insurance through a third party such as Allianz. If you purchase the insurance through your travel company/cruise line, you may not like the result coming out of the bankruptcy court. In the case of Vantage Travel, another company agreed to give credit through their company but you could only offset the cost of the cruise by up to 50%. Since Vantage Travel did the insurance themselves, the insurance had no value in the end,