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?  Thoughts or questions? doug@cruiseradio.net  Want daily cruise news? Subscribe to the Cruise Radio News podcast feed.  Get in-depth cruise news and industry insight at www.cruiseradio.net.