I would suggest that you consider using a Travel Agency that can help you with everything. Make sure you select someone who knows and can help you with everything including your insurance. I always advise my clients to purchase insurance and I require that they sign a waiver if they do not purchase any insurance. I do this because it is very important. Most Travel Agents can offer you the insurance that the Cruise Line offers or another company which the Agency has a contract with. I suggest when you book cruises in the future that you book with a CLIA certified agency and that the agent be certified as an Accredited Cruise Counsellor or Master Cruise Counsellor. They take courses through CLIA and meet high standard of training, inspections of ships, and have taken many cruises. Do get insurance. You may email me if you need more information.