Not necessarily true that this woman booked online. This was a 70 year old school transportation worker. She probably didn't think she could swing the extra cost. When we booked our first cruise, with a local TA, we did not get insurance. Later I started to think about it and tried to get insurance. My TA told it was too late, the CL would assume I was buying to cancel. I didn't know any different so went with what he said.