I have had Cheers and a gratuity is included but I always tip an extra dollar.
I use GeoBlue (blue cross/blue sheild) for travel. When I traveled last cruise with my 2 DDs (19 & 21) the coverage for a 5 day cruise was $43.19 total which was for medical evac primarily. Our deductible was $500. I believe it is based on the age of the oldest person traveling and that would be me. I'm old.😉
Man, I thought I tipped a lot on top of prepaided grats....I usually tip $20 to main room attendant, $10 to assistant room attendant, $20 to MDR head waiter, $15 to asst MDR and $5 to Maitre D. Room service gets $3 per delivery. I also tip the table person at the roulette table. Don't see many players do that, at least not on my last cruise.