I've come to the conclusion that I want to buy cruise insurance for our trip. Buying it through Disney isn't an option because of the state I live in (I don't know why, but they say I can't buy it--which, from what I read, doesn't sound like a great loss.) However, I'm totally confused by the major cruise insurance comparison sites and I have no clue what I'm looking at. I'm still (just barely) within the 14 days of booking window, so I really need to jump on this...I think. Here is what I think I want covered... *reimbursement in case we get confined to our cabin because someone is throwing up/catches norovirus *coverage for visiting the ship doctor (what would that be called in insurance terms?) (do I really need this?) *medical evacuation from the ship *trip cancellation for medical reasons (like if someone gets really sick at the last minute) Is it reasonable to expect to get this for a $7000 policy for around $200?