depends on how much you spend on your cruise trips. but assuming you spend $20k a year for the next 20 years. that is 400k more points or ~$6k (i used 1.5cpp). making use of the $10k insurance just once in the 20 years will get you $5k more back, and that is almost equivalent to all the additional points you will earn over 20 years. so personally, i will take the higher coverage. of course, im just assuming some numbers here, so you need to sub in your numbers