My husband and I tested positive for COVID on our cruise from last September, He tested positive 3 days in, I tested positive on day 6.
FOR CRUISE FARE:
We contacted the cruise line, submitted detailed documentation, including the detailed medical form authorized by the ship's medical team and we both received FCC for 90% of the original fares paid.
We received the credits within 12 hours of submitting documentation.
AIRLINE (IF APPLICABLE):
We decided to return earlier than scheduled and paid hefty change fees. Post trip, we again submitted documentation and received full reimbursement from the insurance provider.
MEDICATION RECEIVED:
If you receive medication onboard, your medical provider may or may not reimburse. Our cruise line confirmed they would reimburse if our health care provider would not, but we have Kaiser, Medicare and they also reimbursed in full.
Best advice is to retain detailed records of EVERYTHING and when submitting claims, include a cover letter listing in detail the documents being submitted. This will assist the person viewing your claim to hopefully make a quick decision.