Just recommending you buy the trip insurance! We had a cruise scheduled for April but our daughter was diagnosed with Leukemia 3 days ago and when we called to ask if there was special consideration for a child with cancer regarding a refund we were told a big NO. It also didn't seem to matter that we have gone on 5 previous Disney Cruises and yearly spend thousands of dollars on Disney parks and products. Get the insurance or you may be disappointed!!!