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Im looking into 3rd party trip insurance purchased directly from Allianz to determine if it would pay out if I book a 3/2021 cruise now with FCC and NCL goes out of business. The big question is if it is covered since they payment was made before the policy went into effect, you are buying the trip in question with FCC.

What has me concerned in the policy below is "policy purchased within 14 days of the trips first payment" since my next trip will be made with FCC from my canceled last trip. So the credit card charges were well before the policy was purchased.

Their Policy : 

Your tour operator, airline, or cruise line ceases all operations due to its financial condition, with or without filing for bankruptcy. 101-P-TN-704-2017 PC 8 The following conditions apply: a. Your policy was purchased within 14 days of the date of the first trip payment or deposit; b. The cessation of operations occurs more than seven days after your policy’s Coverage Effective Date; c. Your policy was not purchased directly through the tour operator, airline, or cruise line ceasing operations, or an affiliate of that entity; and d. The tour operator, airline, or cruise line was included in our list of covered suppliers on your policy’s Coverage Effective Date.

5 minutes ago, BoundForSea said:

TAKE THE REFUND.  Dont try and gamble for a little extra for FCC. 90 Days has me concerned, honestly. There is zero reason for that other than greed and maintaining the bottom line, or some other reason (read my previous post), but still when faced with the choice Id choose refund all day long. Contact your CC company and ask about disputing it due to the 90 days. 

They are cashflow strapped, they probably need the 90 days to organize more credit. They already took out a loan this week. 

Cruise companies work like ponzi schemes. The money you pay in this month for your cruise in 60 days pays for operational costs right now. Without all that cash flow coming in from people at 60 days final payment they are hurting for cash to operate. 

4 minutes ago, mnsweeps said:

where did you get the 90 days info? My TA told 7 to 14 working days..

From the link at the beginning of this thread to the press release. 

https://www.globenewswire.com/news-release/2020/03/13/2000512/0/en/Norwegian-Cruise-Line-Holdings-Ltd-Announces-Voluntary-Suspension-of-Voyages.html

So with NCL saying they have 90 days to post back to card do you think that it is a possible to execute a charge back with amex? 90 days is a long time, what happens if they declare bankruptcy before they credit cards back? 

I'm hearing that Pride of America in Hawaii and Star from south america to Orland departures this weekend are canceled. 

Not sure if this is the start of a mass shutdown, or being forced on specific cruises by local ports.