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You'll get more complete coverage through a private travel insurance program, which will include trip interruption. This is important if you book things separately from the cruiseline and miss a port due to weather, illness, etc.

 

I tend to use insuremytrip.com to comparison shop. It's almost always cheaper than the cruiseline and covers more. The only disadvantage is that you don't have a "cancel for any reason" option that some cruiselines offer as a credit on a future cruise.

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