Wow - what a coincidence to finally come back from our cruise and read this. Cheryl - I think that woman was on our cruise or someone who thinks just like her. Her very small dog was decked out in a fancy collar and leash with some bows and jewels in her hair. I did a doubletake and sure enough, it had a small red blanket on it that had a symbol in a circle and the word service on it! That was a first for us! The woman also did not appear to be disabled in any obvious way....
We always always get travel insurance. Luckily we've only needed it once - and that was because a flight cancellation cost us a night in a hotel. Extra bonus - while people were standing in the long line to rebook flights, our insurance had already gotten us rebooked on the first flight out, which allowed us to make it to the cruise on time!