Not going into all the details, but my family was going to go on a concierge 7 day cruise on the Treasure. We are no longer going. I got most of it refunded, and got partial credit for the deposits since I bought the insurance. They sent four different credits, one in each of our names. It's now going to only be myself and my daughter going. Am I able to use the credits for my ex-wife and step daughter in addition to mine and my daughters credits toward our cruise, or do they have to use it themselves (they aren't going to)? Hoping that was clear. Thanks!