Agreed. My father is currently in hospice and we went through it with my In-laws over the last 6 years. We, fortunately never had to cancel a cruise or beach trip because timing worked out well but we were covered if needed. Up until this year, we bought Royal's insurance for each cruise. Cost wise, even upgrading our Allianz policy, it's cheaper to buy annual for the 4+ cruises we now take each year. Also, Allianz covers any vacation DH or I take. A policy is not per person, it's per household while Royal's insurance is per person.