Claim amount when one person can't go

[zekekelso]

Hi, I'm trying to figure out what the claim amount would be (and thus, how much insurance to buy) in the follow situation. We are a family of 5:

Cabin 1:

-Adult 1

-Child 1

Cabin 2:

-Adult 2

-Child 2

-Child 3

If one of the adults can't go, we would cancel cabin 2 and put everyone in cabin 1:

Cabin 1:

- Adult 1 (or 2)

- Child 1

- Child 2

- Child 3

Cabin 2:

Cancelled

If this happens at the last minute so we can't get a refund, what happens?

[cruiseco]

Hi, I'm trying to figure out what the claim amount would be (and thus, how much insurance to buy) in the follow situation. We are a family of 5:

Cabin 1:

-Adult 1

-Child 1

Cabin 2:

-Adult 2

-Child 2

-Child 3

If one of the adults can't go, we would cancel cabin 2 and put everyone in cabin 1:

Cabin 1:

- Adult 1 (or 2)

- Child 1

- Child 2

- Child 3

Cabin 2:

Cancelled

If this happens at the last minute so we can't get a refund, what happens?

 

You'd file a claim for the actual amount of money lost up to the amount you insured for the canceling person. If you don't combine cabins it would be the cost of the canceling person's fare. If you do decide to combine everyone into one cabin you'd figure up the total cost of the original arrangements subtract the new total cost under the new arrangements and the difference is what you'd file the clam for, again to the amount you insured for the canceling person.

 

What you'd really want to look for in the policy you're considering is a "occupancy adjustment" benefit such as this one:

 

"SINGLE OCCUPANCY COVERAGE

The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel."

 

So in the case of the double occupancy cabin, if one cancels and the other doesn't the remaining occupant would be protected from having to pay any additional single occupancy charges. This may make a difference in what you plan to do as this would allow you to NOT combine everyone into one cabin with no loss if that's a better option for you -- you'd now be a single and a triple as far as the reservations go but could move someone around to make two doubles once you get on the ship. But if it truly is a last minute cancellation (inside the 100% penalty time frame) it won't matter as no single occupancy charge will apply any way.