You can always check your reservation on the cruise line's website irregardless as to how you book it. And most reputable agents are available 24/7 to their clients in the case of an emergency.
And the $59 for the Cruise Care insurance is not the price all the time - it's based on cost of the cruise, so that rate will change. Plus, the Cancel For Any Reason is only a future cruise credit, not a cash refund, in the amount of 75% of the amount paid for the cruise, excluding your airfare. In almost every case, independent travel insurance is a much better buy with much better coverage, which is especially important when flying.
As I said, it's always good to support small business, but some are against it.