If your cruise is affected by Hurricane Irma ...

Hurricane Irma has forced cruise lines to cancel trips, alter the routes of ships already at sea and extend their return dates. If you are booked on an upcoming cruise, check with your cruise line to find out whether your ship will be sailing. Most lines post updates on their Facebook pages and Twitter feeds too.

In the wake of cancellations, some cruise lines are refunding the full fare and sometimes offering incentives for future cruises if you rebook quickly.

Also, some cruise lines that cut their trips short are offering refunds for missed days.

Check with your cruise company about compensations for canceled or shortened itineraries.

Travel insurance may cover the costs of flights and hotels — but not always.

Travel insurance website Squaremouth said this on its Hurricane Irma page: “Travelers who had a policy in place prior to Aug. 30, 2017, may have coverage for Hurricane Irma, including trip cancellation and travel delay.”

That date is important because “the storm is no longer considered unforeseen,” Squaremouth said.

Your ability to recoup also depends on the type of insurance you bought. Talk to the insurance company to see what’s covered.

Also, check with your airline to weigh your options. Most are waiving change fees for storm-affected destinations.