First off you will not miss any time at any port. They will arrive and depart on time. Emergencies are a fact of life and the cruiseline is not responsible. Getting $20pp is a pretty good deal really. Think of it, there are what, 2,500 passengers times $20, that is $50,000 that the cruiseline is losing in revenue! If you were the sick or injured person, would you not want them to do what they could for you? As that is just a delay of 8 hours in departure on a Sunday and you will I am sure be allowed to board much earlier than 9PM I cannot understand how you figure you lost a day of work?