We've cruised 4 times so far on HA and will be doing another in the near future. We've never had the HIA plan and always opted for a better cabin. This next cruise we did purchase the HIA plan because we are rec. $400 in excursions, 2 specialty dinners, WI-FI and 15 drinks/day each. We are not big drinkers of alcohol but will probably have 1 or 2 per day with the package. Also my wife like to drink pepsi/coke and I like a good cup of coffee now and then. If my math is correct we are in the ball park of what the package cost so it made sense to us. BTW does anybody know if they serve pepsi or coke?