I'm very sorry for your loss. Here is our experience. Our family was scheduled to go on a holiday cruise- parents- the 4 siblings/step-siblings and spouses, 9 grandchildren. 2-3 weeks prior to the cruise, my step- dad fell, hit his head and later passed of his injury. We opted to go on the cruise, as he would have wanted us all to go. My parents had purchased HAL insurance on the cruise. With the help of our TA, my mom was able to get my step fathers portion of the cruise refunded.