Originally Posted by kathys
Just FYI regarding trip insurance paying for refunds on WJ. Part of the problem if you bought the trip insurance through them is that in at least some instances they didn't forward the money to the insurance company. Kept it just like they did crew tips.
This is probably true, however it is not unusual for cruise lines to "self insure" - it is valid insurance when the cruise line is reputable, because they insure against trip cancellation by the passenger.
No cruise line offered insurance ever covers "company default". So, if you are buying a cruise on a marginal cruise line, always get third party insurance. If you can't get it, pick another cruise line.