Last April my wife and I booked a cruise for just the two of us on the Rhapsody of the Seas out of Galveston. One week before our cruise date my Mother-in-law fell and broke her hip. We had to cancel our cruise because my wife has the Power of Attorney and had to arrange her mother's care. We lost $100 per airline ticket but we were reinbursted for the cruise. Our insurance was through Royal Caribbean. I'm sure glad I took out insurance.