I only purchase enough insurance to cover the cruise and flight. Hotel and tours can usually be cancelled without a penalty. If I cancel the insurance for a specific booking, I can often apply it to a future sailing as long as there was not claim on the cancelled one.
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Donna and Mark

NCL Sky July, 2005
NCL Sun July 1, 2006
RCCL Majesty of the Seas 2008
NCL Pearl to Alaska 2009
NCL Sky 2010
RCCL Mariner of the Seas TA Fall 2012
HAL Westerdam Alaska 2013
NCL Star TA 2014
NCL Jewel Panama Canal 19 Nights April, 2015
Carnival Eastern Caribbean Nov, 2015
NCL Getaway Jan, 2016
RCL Vision of the Seas TA April 2016
RCL Majesty of the Seas Jan 2017
NCL Jewel Mexican Riviera March 2017
RCL Explorer of the Seas 22 Nights Transpacific Oct 2107