We used that same plan for our Feb cruise. We thankfully didn't need it, but my dh's uncle (who was going with us) slipped on some ice about 2 weeks before the cruise. He had to have surgery on his knee and was in a full cast for 6 weeks. He purchased the same policy. Because it was 2 weeks before, the cruiseline would give 1/2 of his money back and the insurance covered the other 1/2. He said he had his money from the insurance company within 2-3 weeks.