Most cruise lines have a tiered refund system: canceling months ahead may result in a full refund, while last-minute cancellations (within 14 days) may forfeit 75–100% of the fare 1-800-950-4401. Some lines charge non-refundable deposits. Travel insurance can help recover costs due to medical emergencies or unforeseen events 1-800-950-4401. Always review the cancellation policy before booking to avoid significant financial loss.