My 87 year old father purchased a cruise for himself and senior travel companion to Cuba and Key West. He purchased the non-refundable insurance, as well. Unfortunately, Hurricane Irma followed by Maria hit the area. He felt it necessary to make an advanced claim to cancel this trip due to this State of Emergency address. The insurance became a non-refundable joke. Royal Caribbean offer a 75% partial credit minus all their other added fees with an expiration in October of 2018. Since this period of time, his travel companion has had cancer surgery and more to come this year. He has had several falls, as well. These seniors will probably not be able to enjoy another cruise in their lifetime. Something seems unethical with an insurance party that is above a State of Emergency address. Residents of Key West were not permitted to their property, until October 3rd. Pathetic situation for everyone, except the cruise lines and bogus insurance.