With 7,000 views, this post caught the eyes of myself and several of my friends. We’ve been watching from the sideline, but decided to jump in. My friends and I are all past passengers of NCL,Oceania, Regent, and all seniors. We, like you have always enjoyed the onboard service of especially Oceania & Regent. I’m glad you had a good experience on the ship and kind of you to recognize a number of people who helped you and your partner. The “back office,” issues you’ve had to deal with on the other hand are shocking. The number of departments you’ve had to directly contact and follow up on are ridiculous. You’re insurer from Kaiser isn’t going to care, they’re ready to pay. They aren’t going to chase down an invoice from Oceania. What’s amazing to me is that the departments you listed from Oceania “promissory notes,” etc. don’t seem to care either. I bet they’d feel differently if they themselves were staring at a $120,000 bill. We’ve always purchased travel insurance, but fortunately never had to use it. Your post has given us all pause. Thanks for the warning.