A passenger says she missed a South America and Antarctic cruise in January after breaking her arm, and she is disputing an insurance claim with Saga. According to her account, she and her partner had booked what she described as a once-in-a-lifetime trip to mark her 60th birthday. She reports that the injury made her unable to travel, but that Saga will not pay a claim she says could be worth about £30,000. The reports describe the situation as a disagreement over whether coverage applies to her circumstances and the missed departure. The insurer’s position is not detailed in the information provided, and the only clearly stated facts across the supplied text are that a cruise booking existed, an arm fracture occurred, the trip was not taken, and the passenger believes she is owed the insurance payout. The case highlights a dispute over travel insurance and non-refundable or missed trip costs when medical issues prevent travel, though the specific policy terms and reasons for refusal are not included in the excerpts.