Could not make April 14 cruise on Harmony because flight to Ft Lauderdale cancelled due to weather. Had trip insurance with original booking. Paid for many extras, excursions drink package, spa, etc. Only thing reimbursed so far, drink package and a couple of excursions. Royal Caribbean still owes original cruise cost plus excursion, and spa. The delay for reimbursement is now over 30 days. I have another cruise in November and they want me to purchase in advance more excursions. I think not. What good is their insurance. Give them money and it's like trying to pull teeth to get it back. Everyone beware.