Was there any fine print covering the Cruise that was wrecked near Gibralter and laid there for a year?
I was on a cruise a few years back where a lady had to be helicoptered out. It isn't a dsicussion. If the cruiser doesn't have cruise insurance with them it ends up on your ship bill and if you don't pay by check it's charged to ones credit card.
So, even if you have insurance that will eventually pay it (questionable) it sits on your credit card, you paying interest, until the insurance company comes through.
Moral....get their insurance.