I may be the odd one out and while I agree you should have purchased insurance, I don't think think you should need insurance to fix this. You booked your air through
DCL and they are the ones who booked you on such a risky, last minute flight and told you TWICE not to worry about it when you expressed concern. I understand things happen and flights can be delayed for various reasons and DCL can't be held liable for a delay, but they should take responsibility for their mistake of booking you so late. Their inability to control delays is why they tell everyone else to fly in the day before! They went against their own sound advice and booked you on a last minute flight, they should be helping to fix this. Personally, I would expect them to get me to Boston and comp me for food and lodging OR comp me the days I'm missing on the ship due to their error. Get to Boston, save your receipts and deal with it after you're on the ship or when you get home, but for now GET TO BOSTON!