Okay, another question. I need to know about cruise insurance. I found a good site, insuremytrip.com. There are 4 of us, me husband, 2 small kids 1 and4. What I am most concerned about is if we need to be evacuated off the ship in case of injury or sickness, but I know we need the other coverages. How do I decide on a policy. To be honest, I want the cheapest one, of course, but want assurance that my kids can get medical care if they need it. I've seen policies from $79 up to $300. Any advice?
Insurance for a missed flight is bupkes compared to a long hospitalization, emergency surgery, lodgings for a cruise companion, perhaps a med-evac and that one thing nobody wants to think about "repatriation of remains."
Just make sure you have the coverage you want and that it covers all the people whom you wish to cover. (You may not be able to cover a "pal", for example.) Also if you travel with someone to whom you are not related, take signed powers of attorney authorizing one to order medical care for the other.
I cover all this, and a whole lot more (or it wouldn't be a book) in my new book, Happy Sails.