Babr

That is the trap of accepting FCC - plus there is an expiration date and the issue of trying to insure the next cruise booked with FCC. I assume you did not have insurance. Otherwise, you could have cancelled for full cash reimbursement because COVID is covered the same as any otherillness

Let us know how this turns out. I’m not sure this comes under Trip Interruption unless you missed part of the cruise. Trip Interruption pays for unused prepaid nonrefundable expenses and return transportation if you must cut your trip short, but it does not sound like that is what happened. It probably comes under Trip Delay, but that pays only $500 in the Carnival policy. Nevertheless, you should get a refund from the airline for your cancelled flight. Did you talk to an insurance representative for instructions/approval before booking replacement flights?

https://www.ncl.com/refund-and-cancellation-policy-covid-19 Here is the refund policy for COVID. You’ll be refunded in FCC. If you’d rather have cash, most third-party travel policies cover COVID as any other illness. You’d have to submit a documented test result and likely a doctor’s confirmation of diagnosis with the claim. A professional like one of the agents at tripinsurancestore.com can help you find something to fit your needs.

May have changed. Check this out. https://www.schengenvisainfo.com/news/greece-announces-new-rules-for-tourists-infected-with-covid/

Since COVID, there may be some third-party policies that will cover FCC for cancellation - just not any bonus amounts. Look in the Definitions section for terms like Payments and Deposits or Forms of Payment to see if FCC is included. Sometimes there is a difference in establishing the initial deposit date for establishing eligibility for pre-existing conditions waiver or CFAR. The easiest thing to do is call a professional. Many here recommend tripinsurancestore.com.

Sorry. I did not catch that you are from Canada. Jersey42 has advised you well.

Since you are so close to final payment, call the professionals at Trip Insurance Store for a definitive answer. There are policies that allow a waiver of pre-existing conditions if purchased by final payment. You must be able to travel on the day of purchase; and, in some cases, you must insure all prepaid nonrefundable expenses. Call to see what is a available to you. Best wishes for a return to good health.

I recognize the difference between public and private, but it seems to me the principle is pretty much the same - the whole subsidizes the cost for those who use the service/product. It is not a matter of required rather willing vs. unwilling. Those who are willing to accept a compromised experience at higher cost are underwriting those who do not want to buy insurance or accept personal financial responsibility otherwise. When folks complain that they don’t get a price drop or OBC or the expected level of service, they have to remember they are paying for a lot of private jet rides and extended hotel stays, and - literally - a free lunch for somebody.

Isn’t that the same thing as RCL paying for quarantine expenses and transportation home? $250 per night for hotel and $100 for food.

https://www.royalcaribbean.com/faq/questions/if-i-test-positive-for-sars-cov-2-what-is-your-refund-policy-and-costs-covered You need to provide a documented test result if you want to get reimbursed. Insurance will also require a documented test result and likely a doctor’s confirmation, depending on the policy.

As of last month, Greece requires you to isolate for 5 days. Unless that has changed recently, expect to miss your cruise and spend some time in a Greek hotel before returning home. How you go about is another matter. Perhaps your hotel can accommodate you for the additional days or can direct you to with availability. Your insurance will reimburse you up to the limits of the policy.

Yes. You would have to get a doctor’s confirmation of diagnosis to include as documentation. You would qualify for 100% cash reimbursement of your cruise if you prefer that over FCC - no expiration dare. Flights are a bit tricky to insure because the airline will issue a voucher for cancelled non-refundable flights. In that case, the insurance company will consider that you have been compensated. Ask how it is handled before you buy the policy. Hotels are usually refundable but by a deadline which varies with type of booking. It is a good idea to include the cost in the amount insured in case you miss the deadline. Many here recommend Trip Insurance Store. They can answer your questions and help you find something since you don’t have much time to shop on your own.

The downside is that people have become accustomed to having the cruise line allow last-minute cancellations (CWC), refunds for positive tests, and reimbursements for extra expenses - things that are the passenger’s responsibility for any other illness. If restrictions go away, so do all the other freebies that help ease those restrictions. People will have to buy travel insurance, which many have complained about, or they will have to assume the financial risk when things go wrong. As well they should, but there will be a lot of wailing and complaining when that happens.

Our policy was extended until Dec. 31, 2023, which is actually more than a year out from our cancelled cruise. It may depend on the company, but as you say, it is not unusual to transfer the policy to another cruise as long as you have not filed a claim against it.

The expenses in question were for shoreside quarantine. RCL allowed $250 per night for hotel plus $100 for food. Canada, for instance, requires quarantine so if you had to complete the required number of days after disembarkation, your expenses up to that amount would be reimbursed, but there is no longer any compensation for transportation. Quarantine on the ship is a different matter. They refunded per diem in the form of FCC, but I’m not aware of anything else. Having it like any other illness means that you are financially responsible for any disruptions the same as if you had a heart attack on board or prior to embarkation.

Best Price was part of the Cruise With Confidence program. Both are gone now. They applied to cruises booked in March that sail by Sept. 30, 2022.

That is why everyone is waiting to see how the cruise lines react. They will post new policies as soon as they have evaluated the information.

It would if your doctor advised you not to travel. Include the documentation with the claim.

You have to click on the link.

I was just going by the current written policy. People who booked under those terms are expecting them to remain in place, but I suppose RCL could revise everything in light of the new guidance. If passengers no longer need to show they are free of disease, at least on Day 1, then why should the cruise line pay any expenses if they are sick after embarkation? People can buy travel insurance to cover cancellation, trip delay/interruption, and medical.

Maybe not until Oct. 1 as others have stated. If they change it now, they’ll still be obligated to pay expenses for people who catch it onboard until Sept. 30.

It is the cancellation policy providing COVID assistance for shoreside quarantine and transportation that ends Sept. 30. Cruise with Confidence which allows you to cancel up to 48 hours has already ended unless you booked in March for cruises that sail by Sept. 30.

No, but they do have to refund in cash any money you paid, not FCC.

If you regularly depend on your credit card, then you know it does not cover pre-existing conditions. Also, the trip interruption reimburses unused nonrefundable expenses, but it does not pay any additional costs for return transportation, only change fees. In addition, trip delay is only $500pp. These observations are based on Chase Sapphire Reserve. If you have a different card, there may be variations; but Chase is pretty typical. As for pre-existing conditions, without a waiver, the insurance company will look back at your medical records for a specified number of days to determine if there is anything in your history that contributed to the cause of cancellation. They look for things like reported symptoms, tests, treatments, or a diagnosis - even a prescription change if it causes your condition to become unstable. To avoid this, people with concerns can buy insurance within a time sensitive period to get a pre-existing conditions waiver. Usually that period is 14-21 days after the initial deposit, but there are policies that allow the waiver at final payment such as IMG LX. If you want CFAR, that is available only at initial deposit. Pre-existing conditions can apply to family members not traveling with you such as elderly parents. There are also requirements in addition to time-sensitive purchase such as being able to travel on the day the policy is purchased, and some policies require you to insure the entire cost of your trip. Your advice to consult the provider or a reputable broker is the safest route. Several here have recommended Steve or one of his associates at Trip Insurance Store. That is a good choice because they do business with a limited number of vetted companies with whom they have well-established relationships.

Be mindful that the provision allowing cancellation up to 30 days before sailing applies to those that depart by Sept. 30, 2022. (Use FCC by Sept. 30, 2023). I did not see the date of your proposed trip. The Cruise with Confidence plans allows you to cancel within the 30 day window up to embarkation if you test positive. If you are sailing after Sept. 30, expect regular cancellation policies to apply unless COVID plans are revised or reinstated. Everyone is waiting to see how the cruise lines react to yesterday’s announcement by the CDC.