I wanted to add the $55 day beverage package for our stateroom (per person) but it also raises the insurance we are paying by $120.00. My mom is 92 so we get insurance for all vacations. If I wait and book the beverage package onboard, will I still have to pay the increase for insurance? Does the cost of the beverage package go up? I have tried calling and asking many times, but spend forever online and no one ever knows anything!!