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

Not sure .. I somehow suspect the insurance companies have verbiage to prevent double dipping but you can always ask. I don't really think anyone has any kind of experience like this so this would be a new one to all.

Not an insurance expert by any means, but virtually all of them include a force majeure clause. translates to an "act of God" clause, for which NO ONE can be held accountable. Learned about it during years of investing, when contracts were broken because of it, and no one could sue anyone, or collect under their "insurance" policies, .although companies and their battalions of lawyers tried. We got "all our $$" back when we cancelled a few weeks ago, MINUS the ins premium we paid for when we booked. got a raft of double talk as to why, and I don't plan to fight that battle. I think its a waste of time. what I want to know, is what happens when folks start to talk about the unthinkable...that this WON"T go away...hope they develop a vaccine...show yer shot card, like the mllitary, to go overseas.

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?

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

That is how I read it.

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.

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

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.

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

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.

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