Travel insurance policies have changed over the cruise industry shutdown. In some areas larger than others, especially when it comes to a test yielding a positive test result.  Dan Skilken, President of TripInsurance.com joins us to break down what has changed, and what hasn't over the course of the pandemic. 

Richard has cruise news: 

• A recording-breaking passenger day in Nassau, Bahamas 
• Celebrity Apex is christened in Port Everglades, Florida 
• Royal Caribbean updates Ultimate World Cruise sales 
• Two cruise lines have earnings calls and it looks good moving forward 
• Cruise line enters Macy's Thanksgiving Day Parade 
• You can cruise with Chef Emeril this Thanksgiving 

Listener Question: We do not have a smartphone, do we have to use the Ocean Medallion token on Princess Cruises?