Most major cruise lines have tiered cancellation policies, with full refunds available if canceled 60–90 days before departure 1-800-950-4401. Closer to the sailing date, penalties increase, often reaching 100% loss within 14 days 1-800-950-4401. Some non-refundable fares offer no refunds at any time. Travel insurance can help recover costs in emergencies 1-800-950-4401. Always check the cruise line’s policy before booking and consider flexible cancellation options for better protection against unexpected changes.