Bucher, Sorry to hear you missed your original cruise. I hope all turned out alright. I've had the same thing happen to me before. CCL has definitely lightened up in this area. They still have the policies in place, but have recently demonstrated much more flexibility in the enforcement.
Yes, read the insurance fine print carefully. Very good point! I have to have coverage for evacuations as well. I am glad CCL has taken this new approach towards their customers.
And, I'm aware this is a NCL topic. A little lee way is given to all.