Way to go! You had me nervous for Frank for a second there. I hope his bridge game improved and he stayed on the ship with you.
I'm glad you had the missed cruise connection on your travel insurance plan to make sure you were protected! If you had taken Frank's cavalier attitude you're right that you would have been home, or you would have been losing a good chunk of your spending money just trying to catch the ship. But you were right! Many travel insurance plans offer coverage which can help in situations where you miss your cruise connection; this plan offers reimbursement help for extra hotel stays and meals you need to pick up because of that delay.
It's a good thing you didn't need to use the full cancellation, but if you had missed more than 50% of the trip then we would have reimbursed you for the full cancellation. And if that had happened, by the sound of things, that money should have gone directly to you. You could have let Frank shovel the snow to your car for your spa weekend instead!