Right, makes sense. Friend and I discussed at the time and I guess this time we just didn't feel the need with this particular trip and the relaxing/ no excursions trip that we plan for it to be. I usually do get the insurance. Her MIL's health was discussed and I just figured if the OBC did transfer to me, I'd reimburse her since I would be spending money on the ship either way. I appreciate everyone's responses though.