Anyone Familiar with Cruise Insurance when the Cruiseline Cancels?

SO, like everyone else, Our cruise for April 25th has been canceled, with 125% FCC.

With the cruise line canceling, and issuing FCC, does that make an Insurance claim not a possibility? Really wondering, because with Excursions, Airfare, Drink package, and the Cruise itself, I prolly have 4 stacks tied up in Credits, and it would be nice to recoup some of those funds...

Anyone have any experience?

12 Answers

Thanks for the clarification. We got or will get everything back shortly. we got everything we actually paid, including NCL's CRUISENEXT coupons, and per their email, we expect to get the ins back by the 10th. I was confuzzled about the use of the word "immediately", but it wasn't from NCL. My fault. I'm sure somewhere in your cruiseline's communiques they define what "immediately" means. Like I posted, I'm in no hurry to use the FCC until I'm convinced I'm getting the best bang for the buck.


Then you’ll receive 100% back. It wasn’t NCL for us, this time.

I wasn’t sure about the insurance refund. This was the first time I told our wonderful TA to just add the insurance. Usually I buy it separately.

Good to know! sounds like you found a good company to work with.

I purchased insurance from an agency other than the cruise line. They told me to send them the letter/email I received from the cruiseline stating that they cancelled my cruise and the insurance company would refund 100% of the money I paid for the insurance.

RCI is issuing a 125% FCC, and rolling all expenses paid through "Cruise Planner" into OBC, Plus 25% additional.

I assume we're talking about the same email from NCL...or their "PEACE OF MIND" rules appearing on their website. Please show me where it says you need to book something "immediately"...whatever that means. I'm in no hurry to apply the FCC to our next one in NOV (if it happens), or book another additional cruise.

That is how I read it.

If the cruise line cancels, you should get any excursion fees, or packages paid for returned. The insurance refund I am guessing would only apply if purchased at time of booking. In addition, if you take a refund you only get back 100% of what you paid. To receive the 125%, you have to book something immediately and move the funds to that cruise.

I think that’s the way it works

Let me update this. Each of us just got an email from NCL..carefully phrased, and if I read it right, each of us will be getting a refund of our insurance as well, whether we cancelled the cruise or they did. Supposedly by 4/10. No matter if it was Standard or Premium. Anyone want to hazard a guess as to how many complaints they got?

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