You are so right about the insurance. We had reservations for a trip to the Mediterranean when my DH became ill, and the money was refunded. My DH is 84 yrs old, so I wouldn't consider making a reservation without insurance. We were on a Celebrity in the Carib one time and a woman at our table came with her girlfriend because her husband had died since she booked the cruise and she had no insurance so she made the trip with her girlfriend. Probably not a bad ting to do, actually. Get away and relax, but have insurance.