[LisaP]

In addition to cancellation insurance, I'd suggest looking for a policy that also offers trip interruption insurance. I know of several people who have had to cut their cruise short for a number of reasons, ranging from an at-home family emergency to an on-board injury, and trip interruption insurance covered the costs of air tickets and other out-of-pocket expenses. Most of the major third party insurers offer this. Again, book within 7-14 days of initial deposit to cover any pre-existing conditions that may cause you to return home early.