The Cruise industry falls under maritime laws, and the fine print disclaimers that came with your tickets are legally binding.
Read thes two cruise industry experts on cruise line rights and cruise passenger rights.
Cruise line rights:
Many consumers apparently believe that a change in the ship's itinerary or a problem on board entitles them to generous compensation or a full refund. But the cruise lines have covered their areas of exposure quite well, and they make it crystal clear what they are and aren't responsible for--and what you are and aren't entitled to.
It's all covered under "Terms & Conditions" on the back of the brochure. It's certainly the most boring part of the brochure, and can sometimes be tough to decipher, but if you read every paragraph, you might find some surprises.
According to the terms and conditions, your cruise fare entitles you only to the specified number of days aboard ship, your accommodations as chosen and paid for, and all listed inclusions such as meals and entertainment. Your cruise fare does not guarantee specific ports of call, or the order in which the ship calls on them.
Injured cruise passenger rights:
In exchange for the passenger paying the cost of the cruise, the cruise line issues the passenger a ticket for the cruise that is a contract between the passenger and the cruise line. Unfortunately, the ticket generally contains many harsh conditions that benefit the cruise line and severely limits the passenger's rights.
Other examples of conditions written on the back of tickets give the cruise liners the right to deviate from a published itinerary; another disclaims liability for the negligence of shore side excursions operators.
About the only thing cruise lines take responsbility for are injuries. And then they severely limit their exposure by the terms and conditions written on the ticket. You can basically forget receiving any non-physical injury awards, like pain and suffering awards.