Can't believe nobody has mentioned : BUY TRIP INSURANCE! Why! Not for change of plans, delays in connections or lost luggage - although most plans do help to lessen the pain of those events - but for medical illness of injury. If you become seriously ill, or break a leg or something like that, the cruise line is obliged to get you to the nearest medical facility which can treat you. Trip insurance will find and arrange treatment and transportation home in facilities as close to US standards as possible. Without insurance it is extremely expensive. Buy the insurance the cruise line partners with, or buy it on the internet; but don't go on a cruise without it, unless you are an extremely high roller gambler. The cost is very reasonable for the piece of mind you will have.. I KNOW!