Our recent March 29 "Mystery" cruise gives credence to the advantage of booking DCL excursions. When many were canceled due to the inability of the ship to get to the port, all were automatically credited back to your onboard account. Those who booked private excursions on their own were at the mercy of the policies of those providers. I know some on our ship were out $$$ because of this. I guess you have to weigh the difference in the amt. of the DCL cruise excursions vs. those of independent operators and what their refund policies would be if you end up being a 'no show.'
