Your prediction of not getting sympathy for the cancellation is spot on. I am of course sympathetic and sorry for your injury and your need to cancel.
But you are right, this is one of the primary purposes of travel insurance and you need not buy it through NCL. They offer it if you want to get it from them.
I recommend insurance on a cruise, not primarily for cancellation reasons, but instead for health and medical. The cost of having to be medevacked from a cruise ship can be life altering.
Again, I'm sorry for you injury, but the cruise contract is really straight forward. NCL did nothing wrong in this case.
Hope to see you on the seas one day.
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