crustyfam5

I have a family of 5, and the breakout of our room is $4,000 for the 1st 2 passengers, $100 for the 3rd and 4th, and $300 for the 5th. When buying cruise insurance, do I have to specify certain amounts per person based on that breakdown, or can I just split the final price by 5? $8,500 divided by 5 people would be $1700 each. Either we all go or no one does. TIA!