Travel Insurance for Royal Caribbean cruise and flights through Air2Sea

[englander]

Should I include my Air2Sea flight costs in my total trip cost for insurance? 

[klfrodo]

Are they refundable?

Does your insurance require that you include all non-refundable trip costs to be included in total trip costs?

[englander]

18 hours ago, klfrodo said:

Are they refundable?

Does your insurance require that you include all non-refundable trip costs to be included in total trip costs?

Air2Sea offers refundable BUT they do charge $215 fee per ticket to change/ cancel. So all I really need to cover is the fee. Maybe the $215 is all I need to include?