My friend was on a cruise scheduled from NYC to the Bahamas a couple of years ago. Matthew screwed it up and made it a cruise to Canada instead. They offered her substantial onboard credit as well as a 25% off discount on a future cruise. She really didn't want a Canadian cruise, so she ended up getting them to switch her to the Fantasy instead and they drove to FL (through awful weather!). She stayed at WDW for one night prior to the cruise, and they comped her room and 1 day park hoppers for her family. IIRC the Fantasy was only 6 nights, instead of 7 during that time (I forget!) She really made out well, especially considering she did NOT have
trip insurance!