Same here. I've never purchased the insurance, and I am WAY ahead of the game. I knew (and still know) that it is a gamble, but so far it has paid off for me.
This is so true. People should first check to see what their existing medical insurance covers before deciding anything about buying additional insurance. I suspect that many people overinsure.
I would hope nobody! But I would think most people spend a fairly significant amount of time in their cabin, and I was providing advice for choosing a cabin that has less motion and would thus be less likely to cause seasickness.
I know that you have mentioned Royal Caribbean ships but consider going on Princess. Princess goes to Glacier Bay National park, Royal Caribbean does not. Glacier Bay is not to be missed!