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| Packages and Insurance | The majority of cruise lines do not provide discounts for children. The main exception is Disney Cruise Line. On Disney ships (with two full-fare adults sailing), children under the age of 3 are charged only port fees and taxes; children ages 3 to 12 sail at a discounted children’s rate plus port charges and taxes; children over the age of 12 sail at third/fourth passenger rates plus port charges and taxes.
Another cruise line -Norwegian Cruise Line - also lets children under age 2 sail for port charges and taxes only. Holland America Line offers child rates on select sailings.
Cruise insurance
It is highly recommended to buy cruise insurance, as the cruise lines rarely reimburse because of hurricanes or other weather problems, and even though they may offer rebates, they are under no requirement to do so.
A number of cruise insurances will even cover missed-flight connections and health coverage outside of the United States. But you should read any cruise insurance policy over carefully to see exactly what the coverage is.
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