You can't buy points, they have to be earned. That's pretty standard in the travel industry. With Holland America, owned by Carnival, money prepays for the cruise, loyalty points are awarded AFTER the cruise, for days sailed plus an additional day credit for every $300 spent onboard. I'm doing a bunch of future cruises on HAL, sharing a cabin with my best friend. If she decides not to go, it doesn't even matter if insurance reimburses her. My fares would still double, because of HAL's solo supplement which my travel insurance would pay to HAL because I specifically have that covered in our policies. HAL would not give me days sailed points for the empty bed in my cabin, no matter who paid for that bed.