Nope, I don't purchase it.
But, I don't sail during hurrican season and only book when I know I can go and have my ducks in a row so to speak, I don't have any medical conditions and no one I sail with does or I would consider getting it, and I don't fly (I am lucky enough to live in Florida and can drive to the ports I go to). So, I feel I am pretty safe. Now, I know things can happen once on a cruise trip, but I'll take my chances. :)
Mmketeer......next cruise's: RCCL/SOS 12/05 & DCL/Wonder 2/06
RCCL: Mariner & Enchantment
DCL: Magic & Wonder
CCL: Miracle & Fanatsy