Unfortunately, I don't know enough about the plan to know its exact coverage, etc., but I felt satisfied when I purchased it. And we almost had to use it. The night before the cruise, my husband's kidney stones were making him very ill so we decided that the next morning - the day of the cruise - we'd have to cancel. I laid awake wondering who all I had to call and what the insurance company would need to prove he really was sick. He felt better the next morning so we got on the ship. MISTAKE! He was miserable so I was miserable. It helped I think that our daughter, son-in-law and grandson were with us but we worried we'd ruin their trip. It was an expensive cruise (Disney) and such a shame to be on the most fabulous, unique ship (Dream) and not be getting the most out of it. Next time I will look into what is needed by the insurance company if we have to cancel.
recommend this plan to a friend or relative.