I also use Allianz, and typically get the "Cancel for any reason" coverage just to be on the safe side. Also, my husband is law enforcement and occasionally subpoenas to testify will pop up at inopportune times (which is a covered reason, byt the way). Also, remember a ton of other stuff is covered, including missing ports and lost luggage. Our most recent cruise in December had a port cancelled well before we sailed, and insurance still paid out $1250 for missing the port. So - always check your coverage!