Love Boat, welcome to Cruisemates.
To answer your question, you need to find a good travel agent. All your cruising issues and travel insurance will be adressed.
I allways book with a TA and travel insurance has helped me out a couple of times.
Carnival Liberty New Year's Eve 2007
Liberty of the Seas 5/2008+11/2009
Allure 1/16/ 2011
Booked Vision of the Seas . 2/14/2015
Booked Allure of the Seas... 2/21/16 *Last Gang Cruise*