Anne,
Just now reading this. My situation was a little different.

A couple years back I booked a Silversea and took their cancel for any reason insurance. No refund, but you could apply the $$ spent toward another cruise within a year. I cancelled for personal reasons and rebooked the following year, this time taking CSA as I was sharing a cabin with Crystal. The insurance I purchased for the original cruise did not carry over, just the $$. That cruise I had to cancel for a medical reason which left Crystal as a solo.

Even though Silversea kept my $$, they now charged Crystal a single supplement of 100%!!! Because my cancellation was a medical claim CSA reimbursed me and Crystal was able to file a claim which covered the additional cruise fare for the single sup.

CSA was easy to work with once they received all the documentation they needed. I think I had to prove that my prepaid hotel was non-refundable and stuff like that.

Silversea made out like a bandit :mad: