I have to wonder if there is more to the story. I've been cruising 44 years, and back in the 1980's the cruise lines
required you to flight in the day before, and they provided a hotel room at no extra cost. I think NCL called it something like their "Gateway" program. Now, if you book through the cruise line direct, including air fare, it can be difficult to get them to book your flight the day before. We cruised Celebrity out of Vancouver and their rep said there would be absolutely no issue with this. I did ultimately buy Celebrities insurance. I had a choice of "perks" and one of them was their top of the line
travel insurance for $25 a person, so the agent then said even if I did have an issue, with the insurance they would make sure we got to the ship.
I do have to take issue with the statement about refunding the fare for the cruise. It absolutely
DOES happen, in certain circumstances without insurance. My mom suffered a stroke 4 weeks before a HAL cruise booked through a Travel Agent. HAL didn't hesitate refunding her full cruise fare, and Alaska Airlines the same with air face. As the Travel Agent put it, in this era of social media/yelp, it would be a horrendous business decision on HAL's part not to refund her money.
The bad publicity would cost them more than the lost fare. But mom was a member of their frequent cruiser program, and she did book her cruise through a Travel Agent that books a lot of HAL cruises.