Unfortunately it's too late. Insurance companies would go broke if they allowed people to purchase insurance after they found out something bad has happened.
Check with your credit card.
Definitely misleading and you could certainly cancel within 24 or maybe 48hours but you would have to have noticed that on the invoice, not sure they would let you 3 months later.
How much of a price difference was the one you looked at. Mine was $1000 per person, not sure too many folks are going to book refundable at that premium
Unfortunately if you carry that all the way through the invoice will show as non refundable. IT just hasn't changed the template.
Here is a screenshot of a "refundable booking for a JS just done on cruising power (at $1000 more per person).
Note that in the cruise fare line items it does not have the NRD after the description however in the details at the bottom it states that it is non refundable.
Another Critic is correct.
As far as the 1'st question goes, as it is after final there is no transferring of funds as they are still subject to the 25% penalty unless you can get a sympathetic agent at Royal who will make an exception.
Tough call as you need to decide to do in the next day while the penalty is still relatively low yet you don't have a good read on how your mom may be in q couple weeks.
LOL
On the World Cruise webinar Tuesday they were talking about how they were having the Pins made up in advance for all the cruisers attaining Pinnacle status on board so they would not have to wait a month for their package to arrive. The person that said that obviously is out of touch with reality.
Pretty much every ship will be sold out regardless of the week, it will just be the demographics that change. Whether or not Royal does something official for that ship there will still be a lot more kids than usual aboard. I would avoid those weeks altogether and pick a different week.
I think what you may be confusing this with is that with the recent enhancements D+ members no longer get to select beer as their welcome aboard beverage, everyone now just gets water. has nothing to do with the daily vouchers