If travel insurance would protect your investment should the unthinkable happen, you may want to consider it. But from an emotional aspect I guess that I'd have a family discussion and get a consensus one way or the other from all of you. I would imagine that you have started to prepare your 15 year old for what lays ahead. I would just talk to her openly about your concerns and how she feels about proceeding with the cruise plans, and contigencies. None of us have the luxury of knowing what tomorrow brings. All we can do is to hope we made the right choice and keep moving forward. Unfortunately no matter how much time we have with those we love, its never enough.