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Insurance

I’ve never really thought about insurance before but am considering spending a substantial amount more on my next cruise than I’m used to. I’m thinking about all the things that could go wrong and wondering about any major things to look for with insurance/ horror stories to avoid. Specifically Does anyone have any experience with booking a cruise then finding out they/ their wife is pregnant. I’m nervous to book so far out if insurance wouldnt cover that and then the 24 week limit comes before the cruise. I dont want to be out this kind of money. Any tips

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