Unfortunately I paid with the Costco citi card and upon checking, they no longer offer travel insurance for trips paid with the card. I should have used my Chase card instead! It states that they do cover trip cancellations! So for any future cruises, if the credit card covers the trip interruption and/or cancellation, would there still be a need to purchase separate travel insurance when booking? We’ve sailed 8 previous RCCL cruises and have been lucky without insurance. Since we are getting older, seems like a good idea now! Hubby will just have to bring his pain meds with him and suck it up if anything happens. We may just have to fly home from Orlando or the Bahamas if necessary??