Really disappointed with P&O, I have a medical condition that arose out of the blue four days before we were due to sail. I have yet to recieve a positive diagnosis and still need further test to determin the condition, so it would not be covered by travel insurance. As P&Os policy is not to let you sale without insurance, I'm stumped!! I have spoken to P&O and am told that their policy is that I will not recieve a refund of any kind even on the shore excursions we had booked. No offer of future cruisecredit, nothing. We have sailed with P&O many times, this is our second this year with another booked for next May. I wish they realised that loyalty counts bothways and this episode has left me wondering if I would book with P&O again.