DocLC, Yes, of course, that makes sense. I only asked because of the line that says "the cancellation penalty waiver program is NOT an INSURANCE benefit." But it IS part of the RC Travel Protection Program and that IS what the premium is for ..... not just the benefits (like medical) covered by Arch.
I think I'm clear now..... and I think I will book "non-refundable", pre-pay the RCTPP premium (since I have to have it anyway for the medical part), and take advantage of the lower cruise fare.
Thank you!