I second everything Mike said!
NEVER purchase the cruise line insurance - always cheaper and better policies doing through independent companies.
Insuremytrip.com is a good tool, but two things to remember; biggest name is not necessarily best policy because it's the their customer service when a claim is filed that determines how good they are. And secondly, best price may not be the best deal.
Talk to your agent as they usually have companies they work with and feel comfortable with.
Travel Agent/Cruise Specialist w/12 yrs exp and 47 Cruises on 11 cruise lines! Favorites: Paul Gauguin - Tahiti: Uniworld River Cruises - Europe; Celebrity Solstice-class ships; Holland America - 12-nights Baltics & Russia; RCCL - 14-nights Greek Isles, Turkey, & Croatia; Holland America - 14-day Alaskan cruisetour; 10-night Canada/New England cruise; 21 days Hawaii w/7-night NCL cruise; Oceania - 25 days in Asia; more than 3 months touring Europe by train. And many all-inclusive resorts!