 Also, you may not be able to get a refund from Cruise Lines for insurance, only a future cruise credit. Keep in mind, Cruise Lines don't service travel insurance and will simply redirect you to their third-party provider. From what it will cost to the coverage you should have, even including any pre- or post-cruise protection, our recommendation is simple. Buy travel insurance direct yourself. We encourage TravelGuard, as I said. You'll find a link to them on our website to get pricing at rmworldtravel.com. Safe travels, everyone.