Thank you all for your help. My friend had to get cancellation notice in three days after her accident and our wonderful travel agent helped with all the details. Her doctors said it would almost be impossible for her to do any traveling. She had surgery today and both surgical teams reported good results on both injuries our travel agent received final cancellation notices and forwarded to her family and they submitted right away. All entertainment reservations and excursions were cancelled - was only reimbursed for half of port charges and full taxes and that was stated. I have not been charged with anything as yet and hope this will stay the same but I thank all of you for your info
i will inform you if anything else negative should occur . As far as my dear friend she will have at least two months recovery but she will do it - not much can keep her down- loves life!!!