People buy insurance to cover themselves if there is  an issue. No one expects to be ill, but you never know.     As someone who purchases insurance, I would be annoyed if Royal Caribbean issued refunds to those who do not spend the money on insurance.  That’s what insurance is for.   Sadly several years ago, I had to cancel two cruises after  final payment because of a medical diagnosis. I had  the proper insurance, and after providing the appropriate paperwork I was reimb
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