Now that everybody's totally confused, I'd better own up that the info I gave you was wrong. It was Holland America's insurance that we took out when we had to leave the cruise mid-way.
Also, I recall they didn't want to reimburse us for the post-cruise hotel ($1200), nor the trip home. Our travel agent went to bat for us on the hotel, and that was resolved, but we had to pay our own way home from Stockholm to NY to LA.
Do use CSA, though!