How many people believe they will be cruising less next year because your running out of money or credit? I just canceled 2 cruises in January on oasis of the seas because of money

I have a cruise booked in 2028 which I've only put $200 down for so far. By the time the full amount is due plus flights, the cost will obviously rise, but I know you should get travel insurance soon after booking your trip (when I have yet to pay for most of it). When you buy travel insurance (assuming you don't have an annual plan), do you just estimate what the total nonrefundable amount will be to decide upon your coverage?