I can see the insurance company paying up to the insured amount, but not refusing the total claim because there were some add-ons after purchasing insurance. For instance: transfers, excursions, specialty restaurants, massage package, short inexpensive airfares, prepaid gratuities, etc.
I often fly to Fl from NC for non cruising and never buy insurance for the flight. Why should I have to for a flight to catch a ship in Fl.? Recently I bought airfare thru RCL choiceair. My TA told me my insurance will go up a few $$. I told her I don't need the extra insurance & was told it was required.
O F C'er