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.
All I ask is a tall ship and a star to steer her by; John Masefield
Carnival: Glory 2004, Destiny 2008, Splendor 2009, Freedom 2011, Valor 2012, Dream 2013
Celebrity: Summit 2011
Princess: Ruby 2010, 2014, Caribbean 2013, Coral 2014, Regal 2014, 2016
Sail Windjammer: Mandalay 2017
Star Clippers: Royal Clipper 2015