My wife and I were on the Rhine and Moselle river cruise at the end of May. Four days into the cruise my wife contracted COVID and we had to leave the boat in Cologne, Germany. We were very disappointed in the cruise for the four days we were on the boat as it didn't live up to our (generally well earned) high expectations from Tauck. As I write this note 60 days after our departure from the boat, I'm still waiting on Tauck to refund the balance of the trip and for the insurance company (AON) to settle my claim. I've been told several times by Tauck that the "check is in the mail" but it has yet to arrive. As for the insurance company, I've gotten well acquainted with the call center in the Philippines but not much further. You may want to lower your expectations of Tauck and look around for a different insurance provider.