99%+ of people on a particular cruise don't use their travel insurance.
Of course, in this group, many of you will tell stories of how you needed your travel insurance on one of your many many trips. But that's not statistically relevant. Just because you've been to the site of a disaster doesn't mean you were at the site at the time of the disaster.
If I bought travel insurance for every cruise I've taken, I probably would have spent over $10,000.
If my cruise fare wasn't refunded if I was denied boarding due to Covid, or if I were flying to the ship, I'd buy travel insurance.