The cost of the cruise insurance includes an EPE administrative charge and Carnival Cruise Lines costs. The insurance covers a guest if they have to cancel because of covered injury, illness, or death affecting them, their immediate family, or their traveling companions. The insurance will reimburse guests’ non-refundable cruise up to the full amount. The insurance also covers trip interruption, trip delay, baggage protection, medical coverage, and emergency evacuation.  Your insurance refund may not cover the markup that includes EPE sponsored events or the Pre-Cruise.  Once you have registered for the insurance, you may not cancel it from your cost. The insurance coverage does not take effect until guest has paid the cruise in full and only within thirty (30) days, prior to the sailing.