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I am heartbroken 💔  We just found out my dad has cancer, we need to cancel our trip. We did take the travel insurance that was offered during booking. Do I call Royal first or do I call the insurance company they use? I am not sure how to handle this. Any advice would be appreciated 

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Don't cancel a thing until you hear from AON.

 

Also, if there are ANY issues regarding medical coverage and getting 100% refund, don't forget that the policy you purchased has a rider called "Cancel For Any Reason". It allows you to cancel the trip for any reason up until scheduled sailing time. You will only receive a 75% FCC and not a 100% full cash refund but better than a swift kick.

 

Sorry to hear about your dad!

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I am so sorry for your sad news.  I had to cancel a cruise under similar circumstances.  I contacted Royal first to cancel and got the contact phone number for the AON insurance.  I found the AON representative very helpful.  After completing and returning the paperwork, my refund came through very quickly.  Good luck.

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