I would buy the insurance from someone other than the cruise line. What if something happens with the cruise line? Then the insurance may not do you any good. I read on one of these boards where that happened. The cruise lines went bankrupt right before the cruise and the people bought their insurance from the cruise line which didn't do them any good. Its best to keep the two separate. Try going to insuremytrip.com. You can compare coverage and prices between several different companies.