Have you bought
trip insurance yet? Most trip insurance will serve as secondary coverage for health issues (but not pre-existing conditions unless you bought that part of the insurance shortly after booking the cruise), takes care of evacuation, etc. We buy 3rd party trip insurance instead of Disney as the Disney one only covers anything you purchased from Disney--and we want our airfare, hotel, cruise, and other non-refundable items covered. We've been using insurance companies that have under 18 yrs for free, so we're just paying for DH and I, but the coverage is for all 4 of us.