Has anyone ever had to make a claim through the DCL-purchased insurance, and if so, what was your experience? We just filed a claim for cancelling the Panama Canal cruise, and this is all new to me. I cancelled to go on the Dream christening; technically it's for work, since I'll be covering it for two media outlets, but I suspect the insurer will still turn down the claim. DCL told me they let us use the money for a different cruise if it gets denied. I'm wondering how smoothly that all goes and how long it takes to get a reply on whether your claim is accepted or turned down. Also, I'm guessing the reimbursement does not include what you paid for the insurance, correct?