Thank you CDNPolar for taking the time to reply. Yes, CAN meant Canadian. Okay, let me clarify a bit. Where things get complicated on phones and emails for myself is not knowing the questions to ask and what to be aware of when discussing insurance. I have many friends who are experienced travelers. They all have husbands who have insurance through work or their husbands make all of the arrangements. In fact, one good friend who cruises frequently with Princess had encouraged me to take the leap and book a cruise. "You'll love it," she says. What should have been my first clue not to listen to her advice was that she knows little about insurance. I recently discovered that her husband does EVERYTHING for her. I mean that's a good thing in many ways except she should not try to give me advice about a topic she knows nothing about. Long story, she just fractured her ankle and they can't cancel their cruise which is in 2 weeks and the cruise is for 25 days. They would lose "thousands" if they had to cancel so they are still going. I really didn't understand what she was talking about because they have cruised for many years. Lesson learned. Wish I had known about the "Cancel for Any Reason" timeline of 72 hours. I booked a 10 day cruise a few months ago with the minimum deposit, thinking I have lots of time to get cruise insurance.
Anyway, this same friend discouraged me from taking the Princess Insurance because I am not an American. The person who is accompanying me took the Princess Cruise insurance. We are in separate cabins, so we have solo pricing for our inside cabin which suits us fine.
My biggest concern from different readings of experiences by others was "travelling in international waters", "cruise insurance" and having enough insurance for Medivac (helicopter evacuation) which nobody ever wants, right?
So here I am, trying to navigate this big trip on my own and I don't ask for sympathy but only helpful and kind replies and once I know what to ask, and point me in the right direction, then I am good to go.
Again, thank you very much for everything you have written. It makes much more sense of 'the world of insurance'!