First cruise and been told that trip insurance is important for cruise vacations. So I have a few questions: 1. We are cruising from Nov 4-8, but our travel dates are Oct 31-Nov 9. Should we insure the entire vacation or just the cruise part? ( We've never insured a vacation before, mostly doing it since we'll be outside the US...and on a giant ship in the middle of the ocean. ) 2. Should the total price of the "vacation" be the cruise fair, or should it include airfare, excursions, etc too? 3. I see plans starting at $45 and going upwards of $200 - what kind of coverage should we primarily be looking for? Thanks!