Booking with RCI, everyone pays the same. Third-party insurance rates vary based on age. So it depends upon her age. After a certain age, many times third-party insurance will not cover cruisers, whereas, RCI never denies coverage based on age. Like everything else, rates have probably increased. I’m 76 and my husband is 78. I have, in the past, checked out third-party coverage vs RCI and didn’t find insurance to be cheaper than RCI. However, check out the insurance forum here on cruise critic. You’ll learn a lot and your sister can make a better-informed decision before she makes her trip insurance payment.