With Hurricane Irene approaching the US several news outlets are reporting the Carnival and Royal Caribbean left San Juan today early because the port decided they needed to leave BUT they did not notify some passengers. These passengers were left there and from what I am reading online those who did not have insurance will have to pay out pocket for hotels and air back home.
I know that travel insurance is expensive but I but it better than paying for hotels and Air in this situation. We specialize in Disney vacations but do book Carnival, Royal Caribbean, and other cruise lines for our clients and if someone wants insurance we get a quote from that cruise line and we can get quotes for insurance from other companies.
Here is a thread about this on Cruise Critic