un & Fitness Travel Club members know each other from their local recreation centers. They cruise together with their certified instructors, who already teach them at these same centers. Cruise prices include port charges, dining and entertainment, and daily water exercises and can also include Tai chi, yoga, deck walking, and/or dance lessons, among other activities. Low-cost travel insurance is provided and required to travel with the club. Assuming all conditions are met, the club's travel insurance covers the cost of the cruise, lost luggage, trip delays, most medical care during the cruise up to $10,000 per person, and cancellation penalties. Ships do not accept Medicaid or Medicare. A valid passport is required for all cruises. Guests are responsible for acquiring their own visas when necessary for travel. Staterooms are booked in upgraded categories (none are on the lowest deck). Ocean View Staterooms have full picture windows (no portholes). Balconies have no obstructed views. Junior Suites and higher categories are available upon request. Guests receive refunds when they cancel at least 90 days before departure. Fun & Fitness Travel Club has no membership fees or dues. Members travel together at senior, group, discounted, fixed rates and practice good health habits all along the way.