Just to clarify a few fine points.

RSSC DOES cover pre-existing conditions for all family members with the only exception being the travelling guests as described below.

They will cover any pre-existing condition that does not manifest itself for the FIRST time or for any pre-existing condition that has now worsened or required new treatment within 60 days of the time you purchase insurance. This is the most misunderstood clause. So unless something NEW happens within 60 days of purchasing the insurance your pre-existing condition is covered.

Also on the default of the cruise line the CREDIT CARD company will refund your money. Always put your travel on a credit card and you are protected.

Radisson is "secondary" coverage for medical. Travelex is "primary". These are the only two I am really famliar with.

Travelex is usually cheaper if you are under 60 Radisson is usually cheaper if you are over 60. This is just a generalization it depends on the cost of the trip. Travelex considers age in the premium, Radisson does not.