Yes, yes and yes. Last year I had two transatlantic crossings booked. One week before the first one my travelling companion had to have emergency surgery. Had to cancel this trip. Recovery went very well and everything was set for the next cruise five months later. Then days before the second one my travelling companion had a fall and hip surgery ensued. Hence a second cancelled crossing.
I had purchased Cunard Care(luckily). Claiming involved a one page form, the Doctor’s signature and uploading it to a website. The claim was settled very quickly and the fares refunded. So in my situation or rather situations-it worked very well.
Now I know my credit card has travel insurance but I always hear stories about how it can be hard to claim.
In my experience Cunard Care was very easy to deal with. Hopefully I never ever have to use it again!
Of course I was really really really looking forward to a trip I booked this year. Of course that did not work well.
Fingers crossed for 2021!