What to include as non-refundable trip costs?

[1st4our25th]

This will be our first cruise and our first time ever purchasing travel insurance. I'm not sure what costs to include in the coverage. Do you include the port taxes & fess, pre-paid gratuities, drink package, excursions, etc? Or will those charges automatically be reversed by the cruise line should you cancel before the trip since you never used them? I know you include the cruise cost, any hotel charges that are non-refundable, and airline tickets (if applicable) but I want to make sure I include everything I should. Thank you!

[Suzanne123]

From Trip Insurance Store:

https://tripinsurancestore.com/what-is-your-trip-cost/

[1st4our25th]

Thank you