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Holland America Line, a Carnival cruise line, has a "flexible" cancellation policy in place for cruises booked by March 31 for ships departing through Sept. 30.
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If you have a problem with a cruise, you have a problem. There is no federal government agency that regulates cruise customer-service issues.
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Cruise insurance typically costs 3% to 8% of the cost of the cruise, and covers medical emergencies, lost baggage and job loss cancellation (covering expenses if you lose your job), according to CNBC.