Well this has been entertaining! I have never posted on Cruise Critic before and the responses are all over from sorry it happened to why didn't you play attention. It must be nice to have time to research everything you should or might, but that is not the life am living, so blaming the victim is not helpful. Discussion of trip insurance was enlightening, and if Viking reinsures that puts them at financial risk and would explain the one obscure notification email that only mentioned insurance in the body and did not have Insurance in the email title. I missed it because I get several marketing emails a day from Viking and sure don't have time to open and read all of them. Cruising is marvelous and I am sorry to see Viking turning away from previous customer friendly policies. I think it likely they are under more financial strain than they want to acknowledge between COVID and the fact that it coincided with an obvious expansion. Although I don't like our situation at all and do not think it fair to me as a consumer I can recognize their may be reasons for Viking's change. I stand by my statement that travel insurance should not be purchased from Viking, especially if they reinsure and bear the risk for travel insurance claims. Just buy travel insurance from an independent broker that you find through your travel agent or on your own. This was my first experience buying travel insurance, we usually take the risk or rely on trip cancellation coverage with travel credit cards. I consider this a beginner's mistake and hope other's don't make the same error. The vouchers were great until they weren't!