Carnival vs. Allianz: 75% Cruise Credit or 80% Cash Back?

The One-Question Test

One question sorts almost everybody.

When would you actually be buying this — the week you put down a deposit, or closer to final payment?

The story that explains everything

Most of these comparisons turn on a number one company publishes and the other doesn’t. This one turns on two clocks. Both plans sell cancel-for-any-reason, and both stop selling it at some point.

Two clocks

The free perk and the paid one both have a deadline. They just aren’t the same deadline.

Carnival Vacation Protection does something most plans don’t. It builds cancel-for-any-reason into the plan price. Cancel for a reason the plan doesn’t list and you can get 75% of your non-refundable cruise cost back as a future cruise credit. No upsell screen. Strictly speaking, that part isn’t insurance at all. Carnival runs it as a cancellation fee waiver, a non-insurance feature it provides itself.

There’s a catch, and it’s a date. The 75% credit only comes with the plan if you buy before your final payment. For most Carnival bookings, final payment lands around 76 to 91 days before sailing. Carnival will still sell you Vacation Protection after that, but the any-reason credit isn’t part of it. carnival.com doesn’t publish the last day it sells the plan. Third-party reviews in 2026 put it at about 14 days before departure.

Allianz has a clock too, and it’s tighter. Cancel Anytime is an optional upgrade on OneTrip Prime and Premier. It pays up to 80% of your non-refundable costs in cash. To get it, you have to insure the full trip cost within 14 days of your first deposit, and the trip has to be at least 30 days away when you buy. It isn’t sold in every state.

So this isn’t a story about one honest company and one sneaky one. It’s about which clock you’ll actually beat, and whether you want cash or Carnival credit at the end of it.

Included at no costUntil final paymentAllianz: 14 days, cash, extra cost

The quick verdict

Sixty seconds, no hedging. The left column is Allianz’s OneTrip Premier. The right is Carnival Vacation Protection.

Allianz, if…

You can buy within 14 days of your first deposit and want cancel-for-any-reason paid in cash, not credit
A real medical emergency is your actual fear — up to $75,000 medical and $1,000,000 transportation, against Carnival’s $20,000 and $50,000
Your trip includes flights or hotels you booked yourself, not through the cruise line
You want a pre-existing condition waiver — same 14-day window from deposit
Kids 17 and under are coming; they’re covered free with a parent or grandparent on Premier (not for Pennsylvania residents)

Carnival, if…

You’ve missed Allianz’s 14-day window, but your final payment is still ahead
You want cancel-for-any-reason included at no extra cost
Your trip is entirely Carnival-booked: cabin, Carnival air, Carnival hotel package
You’re fine being repaid in future cruise credit rather than cash
You know your final payment date, and you’ll buy before it

One builds it in, one sells it as an upgrade

These two plans aren’t really competing on what they cover. They’re competing on how the price is built, and when you have to buy to get the part you want.

Carnival’s model is inclusion. One plan, one price, sold right in the booking flow. The any-reason credit rides along at no extra charge. The catch is timing. Buy after final payment and that piece isn’t in the plan you get.

Allianz’s model is itemization. Cancel Anytime is its own upgrade, at its own price: up to 80% back in cash for almost any unforeseeable reason, where state law allows. You know exactly what you have. But you have to decide fast, within 14 days of your first deposit.

Neither model is a trick. Bundling is how a cruise line keeps its own plan simple at the point of booking. Itemizing is how an insurer prices a feature it has to back on its own. Both put a deadline on cancel-for-any-reason. Carnival’s comes later. Allianz’s is clearer at checkout, because after day 14 you simply can’t add it.

So the useful question isn’t which is more generous on paper. Carnival wins that on price. It’s which deadline you’ll actually beat, and which currency you want the money back in.

The full carrier decodeAllianz, plan by plan →The full carrier decodeCarnival’s plan, decoded →

Final payment, and the clause hiding behind it

This is the single fact this page exists to explain, so it gets a section of its own rather than a footnote.

Carnival’s certificate has tied the 75% credit to timing for years. The 2021 version says it’s available only if you bought Vacation Protection before final payment for the cruise. Squaremouth’s 2026 review says the current plan works the same way. Carnival’s own sales page doesn’t mention the rule at all. Carnival’s standard final payment falls about 76 to 91 days before sailing, and some promotions have pushed it as close as 30 days.

After final payment you can still add the plan. Third-party reviews put the last day at about 14 days before departure, though carnival.com doesn’t publish it. What you get then is the insurance part and the cash refund for the plan’s listed reasons. You don’t get the any-reason credit. And that’s the reason a lot of people tick the box in the first place.

That’s the trap, and it’s a quiet one. The plan has the same name either way, and the checkout has no reason to point out the missing piece. A cruiser who books eight months out and buys the plan that week gets the full bundle. A cruiser who adds it two months before sailing gets a plan with a hole where cancel-for-any-reason used to be.

Allianz isn’t off the hook here. Cancel Anytime has to be added within 14 days of your first trip deposit, and the trip must be at least 30 days out. Miss that and the upgrade isn’t offered. The difference is that Allianz won’t sell you a plan that looks like it includes Cancel Anytime when it doesn’t. You’ll see it’s missing.

The lesson isn’t just "buy early." It’s "know your date." At Carnival it’s final payment. At Allianz it’s day 14 after your deposit. Write both down.

Round 1 — the call

Carnival’s window is far more forgiving: months, not two weeks. Allianz’s is tighter but harder to misread. Past day 14 and before final payment, Carnival is the only one of the two still offering cancel-for-any-reason.

A credit is not a refund, and 80% cash is not quite 75% credit either

The site’s recurring argument about cruise-line plans applies here in its purest form: generous on price, paid in the cruise line’s own currency.

Set the deadlines aside and compare the two payouts as if you bought both in time. Carnival pays 75% as a future cruise credit, spendable only with Carnival. Its certificate wording says blackout periods and other restrictions may apply. Allianz’s Cancel Anytime pays up to 80% in cash, usable for anything.

Line those up and 75% looks close to 80%. It isn’t. A voucher for the trip you just decided you couldn’t take is not a refund. It’s a receipt. Cash and credit are different things before you even count the five-point spread.

The price side cuts the other way. Carnival’s credit costs nothing on top of the plan. Allianz’s Cancel Anytime is an upgrade you pay for on top of OneTrip Premier, and one 2026 review put it at roughly $54 to $270, depending on the trip.

None of this makes Carnival’s credit worthless. If you’ll keep sailing Carnival, a 75% credit that came free with the plan is a strong deal. So the question to ask is "Will I sail with them again?" Not "Which percentage is bigger?"

Two clocks, counting from opposite ends

Every cancel-for-any-reason benefit on this page has a deadline. The trick is knowing where each one starts counting.

Allianz counts forward from your deposit. Cancel Anytime and the pre-existing condition waiver both need the full trip insured within 14 days of your first trip payment. Miss it and neither is available. The rest of OneTrip Premier still works.

Carnival counts backward from sailing. Its 75% credit needs the plan bought before final payment, which on a standard booking is roughly three months before the ship leaves. There’s no pre-existing waiver to chase at Carnival at all.

Here’s what that looks like on a real calendar. Book a cruise eight months out. For the first two weeks, both options are open. From day 15 until final payment, only Carnival still offers cancel-for-any-reason. After final payment, neither does.

One more number floats around: about 14 days before departure, which third-party reviews give as Carnival’s last day to buy the plan at all. That’s not a cancel-for-any-reason deadline. By then the credit is long gone.

Round 2 — the call

Neither clock is unreasonable on its own. The risk is mixing them up. Write down which date applies to which plan, and which direction it counts.

The plan that's built in, and the plan that's bolted on

One of these is the thing the cruise line itself sells you at the moment you book. The other is the plan that pays a lot of cruise lines for the right to be the tickbox next to it.

Carnival Vacation Protection is Carnival’s own plan, sold inside Carnival’s own booking flow. That has real advantages: one screen, one price, and an any-reason credit built in. It’s also two products in one wrapper. The insurance parts — medical, evacuation, baggage, trip interruption — are underwritten by United States Fire Insurance Company. The cancellation piece, including the 75% credit, is a non-insurance waiver Carnival provides itself. So the promise most people buy the plan for is backed by the cruise line, not an insurer.

Allianz reaches cruisers a different way. Its OneTrip Premier is sold through AGA Service Company, an Allianz affiliate, and Allianz discloses plainly, in its own terms, that AGA compensates the suppliers and agencies — cruise lines, airlines, travel agencies — that put its products in front of their own customers. That is why Allianz is the plan met at so many checkouts across the travel industry: the position is paid for, and disclosed as paid for.

Put those two facts next to each other and a real difference in incentive emerges, distinct from any dollar figure. Carnival's plan exists to keep the sale inside Carnival, the same reason the cancel-for-any-reason payout comes as a credit rather than cash. Allianz's plan exists to be present at as many checkouts as possible across the whole travel industry, cruise or otherwise, which is why its range — single-trip plans from OneTrip Basic up to Premier, plus AllTrips annual plans — has to serve far more than one cruise line's customers.

Neither posture is a scandal. Both are worth knowing before you read "included" or "recommended" as evidence of anything beyond what each company is built to sell.

Round 3 — the call

Allianz on independence and disclosure, Carnival on simplicity and price. Neither protects you from the other company’s incentive. Only reading the certificate before you buy does that.

The showdown scorecard

Same scale, every category that decides this booking. Fit scores, not quality scores. A benefit you only get by buying on time is scored on how easy that window is to hit. Checked October 2026.

Seabound Showdown Scorecard

AllianzCarnival

Every score is Seabound's judgment, not an insurer's figure. A benefit you cannot count on receiving is not counted as a benefit you have.

Emergency medical limitA 6C 3

Allianz’s OneTrip Premier lists up to $75,000 of emergency medical and dental. carnival.com lists up to $20,000 of accident and sickness medical. That’s well under the $100,000 many advisors treat as a floor for cruising, and one 2026 review reads it as a single limit shared by everyone on the booking. Check the certificate.

Evacuation limitA 10C 2

Up to $1,000,000 of emergency medical transportation on Allianz against up to $50,000 at Carnival. That’s under the $250,000 commonly cited as a sensible minimum, and a long-distance air ambulance can run well into six figures.

Cancel-for-any-reason: priceA 5C 9

Carnival includes its 75% future cruise credit at no extra cost. Allianz’s Cancel Anytime reaches a higher 80%, paid in cash, but it’s an extra-cost upgrade on Prime and Premier, and it isn’t offered in every state.

Cancel-for-any-reason: buying windowA 4C 7

Carnival’s credit comes with the plan as long as you buy before final payment, usually 76 to 91 days before sailing. Allianz’s Cancel Anytime has to be added within 14 days of your first deposit, for a trip at least 30 days away. Carnival doesn’t score higher because it’ll still sell you the plan after final payment without the credit, and that’s easy to miss.

Pre-existing condition waiverA 6C 0

Allianz’s waiver needs the full trip insured within 14 days of your first deposit — on the tight side, since some plans give you up to 21. Carnival has no waiver at any price, and excludes conditions that showed up or changed in the 60 days before you bought the plan.

What it coversA 7C 4

Allianz’s OneTrip Premier travels with the whole trip, however it was booked. Carnival’s cancellation waiver covers what you paid Carnival. 2026 reviews say flights count only if you booked them through Carnival’s own air program, and outside hotels don’t count.

Range and availabilityA 9C 2

Single-trip plans from OneTrip Basic to Premier, plus AllTrips annual plans, against one Carnival plan tied to Carnival’s own bookings and not sold to New York residents.

Ease of buyingA 6C 7

One price, offered right when you book the cabin, beats picking a plan, adding an upgrade and checking your state. Just don’t let "easy" turn into "later." Buy after final payment and the plan arrives without its main perk.

Family valueA 9C 4

Kids 17 and under are covered free with a parent or grandparent on Allianz’s Prime and Premier plans (not for Pennsylvania residents). Carnival prices its plan per person, and no kids-free benefit is named on its page.

Who stands behind itA 8C 5

Allianz names its underwriters: Jefferson Insurance Company or BCS Insurance Company, by state and plan. Carnival’s insurance parts are underwritten by United States Fire Insurance Company, which replaced Nationwide for sailings from December 1, 2025. But the 75% credit and the cash refund for listed reasons come from Carnival’s own non-insurance waiver, so the cruise line backs its own cancellation promise.

Cruise-specific benefitsA 5C 6

Carnival's plan is built into its own booking flow and speaks the cruise line's own language, but only for what Carnival itself sold you. Allianz's cruise-specific fit is generic across cruise lines rather than tuned to any one of them.

Rows wonAllianz 7Tied 0Carnival 4

Seven rows to four is a clear scorecard, and it’d be a mistake to read it as a lopsided verdict. Allianz wins the rows an independent insurer should: medical, evacuation, the waiver, what’s covered, the range, the kids perk and who’s on the hook for the claim. Carnival wins both cancel-for-any-reason rows (price and buying window), plus ease of buying and the cruise-specific fit. If cancel-for-any-reason is the reason you’re shopping, that’s the part of the board that matters most to you.

Now the honest part

The things that complicate everything above, starting with the parts that undercut this page’s own argument.

Calling the final-payment rule a "trap" is a strong word. The condition has been in the certificate for years. Carnival isn’t hiding it from anyone who reads the document. The complaint is about prominence: a benefit this central deserves more than a line most people never open.

Allianz’s Cancel Anytime doesn’t survive no matter when you buy. It has a 14-day window from your first deposit, tighter than Carnival’s. As of October 2026, Carnival wins that row.

The scorecard says Allianz, seven rows to four, and that still doesn’t settle the page. A cruiser who keeps sailing Carnival, buys the plan before final payment and never needs big medical cover gets a free 75% credit and a simple bundle.

Some of Carnival’s details come from third parties, not carnival.com. The final-payment rule is in Carnival’s 2021 certificate and Squaremouth’s 2026 review. The roughly 14-day last day to buy and the claims administrator (Aon Affinity) come from reviews. Carnival’s page also doesn’t say whether the $20,000 medical and $50,000 evacuation limits are per person or shared by the whole booking. The 2021 certificate listed them per person. Squaremouth reads the current plan as one limit for everyone on the reservation. Pull the current certificate for your state before you rely on any of it.

Carnival’s earlier certificates made its medical cover pay after your other insurance. Whether that still holds, and whether Allianz’s plan pays first or second for you, is worth asking whoever you buy from.

Price cuts both ways. Carnival’s page says the plan starts from $49 per person, and Squaremouth’s 2026 samples ran from $98 on a 3-day cruise to $598 on a 14-day sailing. A 2026 review priced OneTrip Premier at $184 for a $2,500 week, before the Cancel Anytime upgrade. Your numbers will differ. Quote both.

The flagship duel

One sells cancel-for-any-reason as a paid upgrade with a short window. The other includes it, then drops it after final payment.

◆ Allianz, top of the single-trip range

OneTrip Premier

Cash back, if you buy it early

$75,000 of emergency medical and dental, beneath up to $1,000,000 of emergency medical transportation. Trip cancellation up to $200,000 and interruption up to $300,000. Cancel Anytime is an extra-cost upgrade that pays up to 80% in cash for almost any unforeseeable reason the plan doesn’t already cover, where state law allows. Add it within 14 days of your first deposit. Children 17 and under travel free with a parent or a grandparent on Prime and Premier.

The pricing tellAllianz charges for cancel-for-any-reason and asks you to decide fast. Less flashy on day one. But if the upgrade is on your policy, you know you have it.

◆ Carnival’s own plan

Carnival Vacation Protection

The best cancel-for-any-reason price here, with a final-payment deadline

A 75% future cruise credit for canceling for any other reason, included at no extra charge, plus up to 100% cash back for the plan’s listed reasons. Medical caps at $20,000 and evacuation at $50,000, and there’s no pre-existing condition waiver. The cancellation cover reaches what you paid Carnival; flights and hotels you booked on your own sit outside it.

The pricing tellCarnival can include the credit because it’s paid in Carnival’s own currency and only comes with plans bought before final payment. The generosity and the deadline are the same decision, seen from two sides.

Head to head, on paper

Every figure below is an up to amount, from each company’s own materials and 2026 reviews, checked October 2026. Benefits vary by state and plan document. The certificate issued to you governs.

	Allianz	Carnival
Products on sale	Several single-trip plans, OneTrip Basic to Premier, plus AllTrips annual plans	One plan, tied to Carnival’s own bookings; not sold to New York residents
Plan compared	OneTrip Premier, top of the single-trip range	Carnival Vacation Protection, the line’s only plan
Price	Quoted per trip; one 2026 review: $184 for a $2,500 week, Cancel Anytime extra	From $49 per person, rising with the cruise cost
Emergency medical	Up to $75,000 medical and dental	Up to $20,000 accident and sickness medical
Evacuation	Up to $1,000,000 emergency medical transportation	Up to $50,000 evacuation and repatriation
Cancel-for-any-reason	Cancel Anytime upgrade, up to 80% cash; extra cost, not sold in every state	75% future cruise credit, included at no extra cost; a non-insurance Carnival waiver
Purchase window	Cancel Anytime and the waiver: insure the full trip within 14 days of first deposit, trip at least 30 days away	Credit only if bought before final payment (usually 76–91 days out); plan reportedly sold until about 14 days before sailing
Pre-existing condition waiver	Yes, if bought within 14 days of first deposit	Not offered; 60-day look-back exclusion
What it covers	The whole trip, however it was booked	What you paid Carnival; outside flights and hotels aren’t covered
Children	17 and under free with a parent or grandparent on Prime and Premier; not for Pennsylvania	Priced per person; no kids-free benefit named
Underwriters	Jefferson Insurance Company or BCS Insurance Company, by state and plan	United States Fire Insurance Company for the insurance; cancellation waiver provided by Carnival

◆

The payout machine

Play the same cancellation both ways. Set what's at stake and say why you're walking away, and watch what each plan actually hands back — then flip the deadline switches and see what each one pays when it was bought too late.

Set the stakes

Nonrefundable amount on the day you cancel$4,000

Why are you canceling? A reason the policy lists / covers Any other reason — the unlisted-reason case

Bought Allianz more than 14 days after your first deposit?

Bought Carnival’s plan after final payment?

Allianz — OneTrip PremierCASH

up to $3,200

Cancel Anytime upgrade — extra cost, not sold in every state. Cash, usable anywhere.

Carnival — Vacation ProtectionCREDIT

$3,000

75% future cruise credit — included at no extra cost, spendable only with Carnival.

Illustrative arithmetic on this page's published percentages — not a quote. Terms, availability and definitions vary by state and plan document; confirm against your own policy.

Who should actually pick which

Carnival

Booking eight months out, buying the plan the same week

This is what Carnival’s plan is built for. Book, add the plan, and the 75% any-reason credit rides along at no extra charge. Just don’t let it slide past final payment. The same plan bought after that is missing the credit.

Allianz

The trip includes a flight or hotel you booked yourself

Carnival’s cancellation cover only reaches what you paid Carnival. If any part of the trip — the flight, a pre-cruise hotel night — was arranged on your own, Allianz’s OneTrip Premier is built to follow the whole itinerary rather than just the cabin.

Allianz

A real medical emergency is the actual worry

Up to $1,000,000 of emergency medical transportation and $75,000 of medical, against Carnival’s $50,000 and $20,000, isn’t a close call. Remote ports, a health condition that concerns you, or enough distance that an air ambulance is realistic: Allianz’s figures are the ones that matter.

Carnival

You’re three weeks past your deposit, and final payment is still ahead

Allianz’s Cancel Anytime window has closed. Carnival’s hasn’t. If cancel-for-any-reason is what you want and credit is fine, Carnival’s plan is the one still offering it. Check the final payment date on your booking, and buy before it.

Quick answers

Carnival's cancel-for-any-reason credit is included at no extra cost. What's the catch?

The catch is timing. Carnival Vacation Protection includes a 75% future cruise credit for canceling for a reason the plan doesn't list, at no extra charge. But the credit only comes with the plan if you buy before your final payment, which for most Carnival bookings falls about 76 to 91 days before sailing. Carnival still sells the plan after that, without the credit. Benefits vary by state and plan document, so read the certificate.

Both companies put a deadline on cancel-for-any-reason. Is it the same deadline?

No. Allianz counts forward from your deposit: Cancel Anytime and the pre-existing condition waiver both need the full trip insured within 14 days of your first trip payment, and the trip has to be at least 30 days away. Carnival counts back from sailing: the 75% credit needs the plan bought before final payment. Book eight months out and you get two weeks for Allianz's upgrade, but months for Carnival's credit.

Is a 75% cruise credit worth the same as an 80% cash payout?

No. Carnival's 75% is future cruise credit, spendable only with Carnival, and blackout periods and other restrictions may apply. Allianz's Cancel Anytime pays up to 80% in cash. But Allianz charges extra for that upgrade, and Carnival's credit costs nothing beyond the plan. If you'll sail Carnival again, the credit can be the better deal. If you won't, it's a receipt, not a refund.

Is $50,000 of medical evacuation enough for a cruise?

For most itineraries, it's not something to lean on. Carnival Vacation Protection lists up to $50,000 for emergency evacuation and repatriation and up to $20,000 for medical expenses. Carnival's page doesn't say whether those limits are per person or shared across the booking. Many advisors suggest at least $250,000 of evacuation cover for cruising. Allianz's OneTrip Premier lists up to $1,000,000 of emergency medical transportation and up to $75,000 of medical. If a medical emergency at sea is your real worry, this is the row that should decide it.

Does Carnival Vacation Protection cover my flights and hotel too?

Only what you booked through Carnival. The cancellation waiver covers what you paid Carnival, and 2026 reviews say airfare counts only if you bought it through Carnival's own air program. Flights and hotels you booked yourself sit outside it. Allianz's OneTrip Premier covers the whole trip however you booked it, which matters more the more of the trip you put together on your own.

So which should I actually buy?

If you'll buy within 14 days of your deposit, want cash back, and want real medical and evacuation cover or a pre-existing condition waiver, Allianz's OneTrip Premier with Cancel Anytime is the stronger plan. If you're past that window, will buy before final payment, and are fine with a Carnival credit, Carnival's plan is the one still offering cancel-for-any-reason, at no extra cost. This is general information, not advice about your policy. Read the certificate for your state before you buy.

The verdict — Allianz takes the board, Carnival takes cancel-for-any-reason

One sells the benefit early and pays cash. The other includes it, paid in credit, until final payment.

Allianz

The independent floor, bought early

OneTrip Premier: up to $75,000 of medical, up to $1,000,000 of transportation, named underwriters, and Cancel Anytime in cash if you add it within 14 days of your deposit. Buy it early, and pay for the upgrade.

Carnival

The included credit, bought before final payment

Carnival Vacation Protection: a 75% cancel-for-any-reason credit at no extra cost, folded into one purchase. Buy it before final payment, not after, or the reason you bought it won’t come with it. And don’t count on it for big medical bills.

The scorecard runs seven rows to four for Allianz, and most of those rows are what an independent insurer should win. Carnival’s edge is narrow but real: the cheapest cancel-for-any-reason on this page, with a longer window to buy it than Allianz gives you, as long as you beat final payment.

Still torn?

Tell us when you booked, and when your final payment is due.

Whether you’re looking at Carnival’s plan or Allianz’s, the dates decide most of this.

Carnival or Allianz for us?Did I miss Carnival’s final-payment cutoff?Is $50,000 of evacuation enough?What does Cancel Anytime actually cost?Does my flight get covered?

Seabound Journeys is an independent travel advisory, not an insurance company · answers are general information, not advice about your policy.

When is your final payment due? That’s the date that decides Carnival’s credit.

Start with the cruise insurance guide

01The story that explains everything

The free perk and the paid one both have a deadline. They just aren’t the same deadline.

02The quick verdict

Allianz, if…

Carnival, if…

03One builds it in, one sells it as an upgrade

04Final payment, and the clause hiding behind it

05A credit is not a refund, and 80% cash is not quite 75% credit either

06Two clocks, counting from opposite ends

07The plan that's built in, and the plan that's bolted on

08The showdown scorecard

09Now the honest part

10The flagship duel

OneTrip Premier

Carnival Vacation Protection

11Head to head, on paper

12The payout machine

12Who should actually pick which

13Quick answers

14The verdict — Allianz takes the board, Carnival takes cancel-for-any-reason

One sells the benefit early and pays cash. The other includes it, paid in credit, until final payment.

The independent floor, bought early

The included credit, bought before final payment

15Still torn?

Tell us when you booked, and when your final payment is due.

17Keep comparing

The story that explains everything

The quick verdict

One builds it in, one sells it as an upgrade

Final payment, and the clause hiding behind it

A credit is not a refund, and 80% cash is not quite 75% credit either

Two clocks, counting from opposite ends

The plan that's built in, and the plan that's bolted on

The showdown scorecard

Now the honest part

The flagship duel

Head to head, on paper

The payout machine

Who should actually pick which

Quick answers

The verdict — Allianz takes the board, Carnival takes cancel-for-any-reason

Still torn?

Keep comparing