Yes, you will get your money back if they cancel the cruise. Last year we were suppose to board the Majesty when Wilma hit Miami. A few days prior Royal Caribbean offered a full refund. We took a chance that the hurricane would hold off until we got on the ship. We were wrong, and lost two days of our cruise. We did get a refund on those days. You can buy insurance this close to your sailing date, but it won't cover any pre-existing conditions. I would call your travel agent if I were you. It's best to buy insurance before your final payment is due. Hope this helps...