Hi everyone! Haven't sailed on Royal for years, but since I am sailing this summer on the Oasis, I am looking at adding insurance, as I needed it last year very suddenly and had to cancel 10 days prior to sailing. Now I find out as I live in New York state, that they can't sell me "Aon"? I had it last year thru NCL and got back all my money. Wondering what my fellow NYers are doing, any recommendations, if that's permitted here? thx!