Marcie, If you remember my dog got very ill when I was in Asia. So much that I condsiderd getting off the cruise early. I tried to see if the insurance would cover that and no they don't. I had my TA at the time contact Crystal and the only thing that they would do is give some credit for another cruise.
There are many other reasons to cancel a cruise other than the health of a family member. I have always felt that the insurance should cover these reasons.
