We had been planning a Rhine Xmas Market trip for three years with my friend whose husband died a couple of years ago and her 2 college-aged kids. We have been to Europe many times and to the Xmas Markets many times on our own & on River Cruises. They have never been. My mom had to have emergency surgery and can't be left alone. We had 2 weeks planned, Munich & Dachau Concentration Camp - the Rhine Xmas Market Cruise - Amsterdam for the Anne Frank House. Our friends are still going, but just for the cruise - the other places and train was too much for them to navigate on their own. We get our Trip Insurance thru USAA (they use Travel Insured at a better rate for USAA members), as it is 1/3 the cost of Tauck with better coverage - we just got reimbursed for the entire trip, including our time in Munich, train tickets, Amsterdam, and Anne Frank. Took less than 2 weeks to get our money back. For those who can use USAA, we highly recommend.