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We have traveled on 3 cruise ships, did a Bus tour through Europe of 12 countries and just came back from S. Wales and Northern Germany. Every time we had that extra insurance just to be sure we are not caught with large medical expenses.
I took a lot of pictures with my phone. I avoided the activation fee by waiting until I was connected to WiFi before uploading to the iCloud.
Be aware that the hotel and most other WiFi will be unsecured, so don't do any banking or shopping with your credit card.