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MsTabbyKats

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  1. It's not what you wear....but how you wear it.
  2. On the American website....main page....towards the bottom....Terms and Services Page 6....next to last paragraph: It starts with "If you test positive for covid".... If you test positive for COVID-19 within five (5) days prior to embarkation, One can read this as: within 5 24 hour periods before you get step on the ship Or: Five days prior to the day of embarkation....which is how MSC sees it. And MSC's opinion is the only one that matters. Just a note: If you check the "days to your next cruise"....the day before you sail will be "1 Day Before Your Cruise". At some point (midnight in Italy???), you're at Day 0. They see "embarkation" as a complete day...not various times that you board. Enuf on this....good luck to OP with insurance. At least she has "a possible reason" while MSC didn't make her whole.
  3. So...where exactly did I say I like the rule, agree with the rule....or anything positive about the rule? I only reported the rule. And I said that it's illogical. FYI....I never read the T&Cs...for anything. I only did it this time because OP was insistant that she was in accordance with them. I'm not the bad guy here....please don't shoot the messenger!
  4. @KimPossible1 Please understand....I am trying to point out WHY they denied your claim. I'm not saying their policy is good or it makes sense....it doesn't. Just simply...WHY. So, please...don't take this out on me. Take a breath...and reread the T&C.
  5. Her e-mail only proves she called them prior to noon. It doesn't prove she tested 5 days prior to embarkation. It's not my opinion...it's stated in the T&C If you test positive for COVID-19 within five (5) days prior to embarkation, you may elect to cancel your Booking. In that event, you, and anyone else in your travelling party who cancels their Booking due to your positive COVID-19 test result, will be entitled to a refund or future cruise credit equal in value to the amount Passenger paid to the Carrier. To qualify for the future cruise credit or refund, you must notify the Company via telephone at 877-665-4655 within twenty-four (24) hours of receiving the test result and no later than noon on the date of embarkation and provide verification satisfactory to the Company of test results administered by providers other than those retained by the Carrier. Under no circumstances shall the Carrier be liable to any such Passenger for any costs, damages or expenses whatsoever incurred by any Passenger.
  6. MSC didn't tell me a lot of things...and didn't tell other people a lot of things. They assume people read the T&C (I don't). Sorry you're being so defensive...but it's as clear as water to me.
  7. The e-mail acknowledges that she followed the rule of contacting them within the required time period (before noon on day of embarkation).....but it doesn't address the rule of the "dates of testing". She followed one rule, but not both of them. That e-mail is 100% ambiguous. Both requirements (date of test and time of phone call) should have been spelled out. I'm not trying to be disagreeable about this...if anything....testing on the morning of embarkation is more important than "5 days prior" (remember testing at the pier just before they'd let you on the ship?). For reasons like this...and after my own MSC T&C issues....I use a TA now.
  8. Sorry KIm...but it is clear. Five days prior means 5 days before day of embarkation. It does not include the day of embarkation. I did say that it was illogical...but it is clear. You need the test before the day of embarkation. I'm not trying to burst your bubble but there's no debate here...you are not reading the T& C correctly. Really...nothing to interpret.
  9. Yeah....one needs to read the T&C with a fine tooth comb. That "Day 0" doesn't count is totally illogical......but it is what it is and insurance shouldn't deny her claim. ETA...I also share @JamieLogical surprise that Covid is still "a thing"....although I have a neighbor on my floor that wears her N95 upon leaving the apt...always...even if she's just getting the mail!
  10. Correct....according to my interpretation. @DCGuy64 OP did not satisfy the terms...because the covid test was "day of"....not within 5 days prior.
  11. @DCGuy64 The way I interpret: You must test positive within 5 days prior to sailing....and inform them by noon of sailing: I am sailing on 4/7. I must have a positive test from 4/2 to 4/6. I must inform them by noon of 4/7. @Homosassa From page 6 of T&C To qualify for the future cruise credit or refund, you must notify the Company via telephone at 877-665-4655 within twenty-four (24) hours of receiving the test result and no later than noon on the date of embarkation
  12. I found something: If you test positive for COVID-19 within five (5) days prior to embarkation, you may elect to cancel your Booking. In that event, you, and anyone else in your travelling party who cancels their Booking due to your positive COVID-19 test result, will be entitled to a refund or future cruise credit equal in value to the amount Passenger paid to the Carrier. This is on Page 6 of T&C. It says test positive 5 days prior to embarkation. The OPs sister tested positive the morning of embarkation, not within the 5 days prior period.
  13. I don't get that either....but legal action is "time and money". If she gets money from insurance, there's no legal action. She'll "be made whole".
  14. Perhaps I have a comprehension problem...but in the original post the OP said she had insurance and would be putting in a claim. I do understand her frustration....but if she's getting an insurance claim, what's the problem?
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