If I book a cruise with flights included (from Detroit to Sydney, Australia), and then book a hotel for the night before through NCL as well (in Australia), is NCL responsible if there are flight delays or cancellations? I see where it is covered under Book Safe - "If your air and/or hotel is arranged by Norwegian Cruise Line, it’s covered under BookSafe.", but does that mean I have to buy insurance through Book Safe?? Can't seem to find that in writing anywhere.