I have heard that going through a place like ************ is a better deal and can cover both flight and cruise. So how do you do this? Do you book your cruise, then book your flight (or vice versa) and then go to the website and get the insurance? We haven't book yet, but if al lgoes well we will book very close to the time we would actually cruise. Can I still get Ins. through them? I assume having it will then cover any medical problems that could happen or lost luggage, etc from the flight or cruise. But what about cancelation. DH could possibly have to cancel. It's rare, but with his job that could always be a possibility. If we did cancel we would move the date rather than actually want money back. So looking for advice from you wise ones!