Regarding the question of the cruiseline going bankrupt and the insurance then not covering. Ngaire assured me that the insurance company that Radisson uses is independent of the cruiseline company so that is not a problem. I found that the coverage was better for less money in our situation. We had always used private companies but this time went with Radisson. We have purchased Radisson air so everything should be covered that we would need.
Hope we don't have to use the $1000 lost luggage coverage!
Maggie