If you have an idea of where you wish to stay & where you wish to cruise from, I suggest you speak to a specialist who could help & advise accordingly. The freephone number at the top of page will talk you through it..........Wilba.
Http://www.cruisegiftstore.com/feature_articles_archive7.htm this site will give some guidance on the various policies for each cruise company but they are regularly looking at this issue. We prefer hotel and cruise as we find going to a hotel after a great cruise is a bit of a let down. There are also options to give you a few days otherside of the cruise, depends who you book with alternatively you could organise this part of the holiday yourself to tie in with your cruise.