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To get cruise travel insurance or not

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Wondering if we should get travel insurance for our cruise, taking our family of 12 people.
And then, is a separate policy for flights advisable? Some flights (Priceline) offer quite cheap policies ($under $20 pp) while Travel Guard is a lot more. And for the cruise,
our travel advisor says Allianz is better than what the ships offer. Anyone have experience/advice about this?

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