On Aurora the experienced guys in Anderson's can make any cocktail you want, provided they have the ingredients. The Crows Nest, however, has a very limited, and fixed, selection.
When I started cruising, on Celebrity, all these tours around the ship were free, as were a lot of things you pay for now. It is called "adding value"!
My August 30 Iceland cruise on Arcadia has drpped significantly. Two friends paying considerably less than me for the same cabin. You take your chances!
You don't need specific cruise cover (missed ports, etc.) as long as your insurance covers you for cruising. As previously advised, try Total Travel Protection. They are single trip only.