Again, I'm confused what you expect to be reimbursed for if the cruise is unable to dock due to weather or other conditions. Are you out any money for just being unable to dock?
I guess you need to define "worth." Yes, historically, cruises that have less port stops, i.e. transatlantic or panama canal re-positioning cruises, are less "expensive." But does that mean that they are "worth less" than other cruises that have more port stops?
Technically, cruise ships never have to stop at ports at all, yet they are fulfilling their contract with you and providing you the "worth" of your cruise. IMHO, the "worth" of the cruise is not at the port, but on the ship itself. If you ask me, you lose some "worth" of the cruise when you go into ports because you're not on the ship. I guess "worth" is in the eye of the beholder.
Still, insurance is there to cover costs that are not reimbursable to you by the cruise line. How does an insurance company arbitrarily value a cruise day when you miss a port? You are still on the ship, you are still being supplied room and food and entertainment.
