Posted September 9th, 2017, 08:42 AM
Not sure where you were getting insurance but I've never had it cost 20% of my cruise.
I just fast-forwarded 15 years (beyond the age when we expect to be able to travel) and recomputed our insurance premium, and it still seemed to come in at about 10%. Cancel for Any reason would bump it up to 15%. I'm not sure how to get to 20%.