Cancellation insurance

[Britter16]

If it's Cancel. For. Any. Reason. Why do we need a letter from a doctor to get our money back? I thought you could cancel for your own reasons. What if it wasn't medical, do you need a letter from your boss in case of an unexpected business trip etc. I guess I should read the fine print to see what reasons qualify as "any" reason.

[chrysalis]

It probably relates to getting your money back vs getting a credit for a future cruise. They policy will clarify.

[Britter16]

thanks I was at work when my husband told me we needed a letter from my dad's doctor and I was frustrated thinking, Why?

I read the policy when I got home and you're right, we can get a cruise credit without the letter which is fair to both parties, or a full refund with a doctor's letter.

Thanks for calming me down on a stressful day.

[GeezerCouple]

thanks I was at work when my husband told me we needed a letter from my dad's doctor and I was frustrated thinking, Why?

I read the policy when I got home and you're right, we can get a cruise credit without the letter which is fair to both parties, or a full refund with a doctor's letter.

Thanks for calming me down on a stressful day.

 

You must be referring to insurance through the cruise line.

 

This is why (one reason of many) we never insure through the cruise line.

 

With outside insurers, "CFAR" truly means ANY reason, and no need to document, as "anything" will work.

 

Cruiseline insurance can be very, very different.

[sirwired]

You must be referring to insurance through the cruise line.

 

This is why (one reason of many) we never insure through the cruise line.

 

With outside insurers, "CFAR" truly means ANY reason, and no need to document, as "anything" will work.

 

Cruiseline insurance can be very, very different.

 

In fairness to cruiseline insurance, their insurance is often a lot less expensive than 3rd-party insurance + CFAR rider, and you'll never get a 100% CFAR rider with a 3rd-party.

 

As was noted in the other comments, cruiseline policies often provide a credit in their CFAR coverage, but cash with their traditional cancellation coverage. The letter is used to decide which payout you get.

 

(As a side-note, HAL is a notable exception; last time I checked their CFAR coverage was in cash.)