The piece about travel insurance caught my attention. This is precisely the reason for insurance. Do not leave home without it!
We cruised with our son when he was a baby. His first cruise was a few weeks shy of his first birthday, and his second was at 20 months. Both times, we got medical clearance from his doctor. And both times, we got trip cancellation and interruption insurance that would have covered us all should he had taken ill and had to be removed from the ship for medical treatment.
I hope the baby in the article is alright. I doubt it was a cold, too.