Long story short: We booked a cruise in August. My MIL booked solo to join us. She ended up having a work issue and could not go at the last minute. Purchased DCL's travel insurance. MIL just recently got a letter from the insurance company denying her claim (as expected, although DCL advised us to put the claim in anyway to see what they would do). As I understand it (and as was confirmed to me by the DCL CM on the phone), if the insurance claim ends up denied, MIL is entitled to a non-expiring credit to her cruise fare (minus the insurance cost) for a future Disney cruise. So, she got the letter from the Insurance company, denying the claim. End of story. Now what? Does she have to call DCL now? Or, were they already notified that the claim was denied by the insurance company? She was just kinda left hanging with no further instructions. A credit for a future cruise is great, since we plan to cruise again with DCL. But, how does she go about getting the credit now? Any help would be appreciated!