They claimed all of their out-of-pocket expenses and the insurance company paid up to the maximum amount they had insured. So obviously, they did not receive payment for the excursions. I then contacted the cruise line and we worked out a deal so they didn't have to pay for the entire amount. Again, just another reason why it's always better to book with an agent instead of trying to do everything yourself. It's good to have someone working for you so you don't have to feel alone when battling the big bad corporations.
Travel Agent/Cruise Specialist w/13 yrs exp and 48 Cruises on 11 cruise lines! Favorites: Paul Gauguin - Tahiti: Uniworld River Cruises - Europe; Celebrity Solstice-class ships; Holland America - 12-nights Baltics & Russia; RCCL - 14-nights Greek Isles, Turkey, & Croatia; Holland America - 14-day Alaskan cruisetour; 10-night Canada/New England cruise; 21 days Hawaii w/7-night NCL cruise; Oceania - 25 days in Asia; more than 3 months touring Europe by train. And many all-inclusive resorts!