It s certainly understandable that travelers prefer to book pre cruise travel on their own often at a cheaper rate but as long as cruise lines continue to get away with the we can do whatever we want with our itinerary and we don t owe you anything clause if you choose to cruise it may be best to book your air and additional nights through the cruise line or buy travel insurance from another source not the cruise line that will cover itinerary changes cancellations and company defaults 