Confused

Thinking about getting insurance for our upcoming cruise in April and not really sure how to calculate the amount. We have already paid our final payment along with the added gratuities and 1 drink package. Do we use the total amount from the cruise OR do we delete the port/taxes, gratuities and drink package and what's left is the amount we use for getting the insurance. TIA

You only insure whatever costs are "Non-refundable". Since taxes, gratuities, and your drink package is refundable by the cruiseline, you would NOT include those costs in your coverage.

Also, be advised that any pre-existing condition cannot be covered after final payment. And those policies that do cover at final are more expensive than those purchased within a stated number of days from first down payment. usually either 14 or 21 days.