NCL insurance vs all others: who's better?

[luckyinpa]

on insuremytrip for a 5K cruise i price out AIG platinum, the most expensive. it was 379 and the applicable part to my question is :

 

This will allow you to cancel your trip for any reason, not just the list of covered reasons on the plan and be reimbursed up to 50% of your pre-paid, non-refundable trip cost.

 

50% of non-refundable trip cost [Requires purchase within 15 days of Initial Trip Payment and certain conditions are met] (+$148.80)

 

so thats 527 total.

 

i do realize cash is nice to have but is 50% the normal max for the amount you can get back for any reason even if you pay the increase fee?

 

also maybe i'm reading it wrong but even for a covered cancellation i'm reading you can only get 75% back. is that correct? if so is that generally true of all the insurances in the market? i'd expect 100% back for a legit sick reason

 

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whereas for NCL it says

 

Part A. Travel Arrangement Protection

Trip Cancellation.......................Total Cruise Vacation Cost

Trip Interruption.........................Total Cruise Vacation Cost

 

so it appears you'd get the entire thing back for a covered reason?

 

also depending on the 400 or 500 dollar plan they give you 75% of 90% of the money back as a credit toward future cruising.

 

 

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so i'm truly confused now. normally you think of a warranty from the car dealer as being more and covering less and you buy a 3rd party warranty. but here it seems like NCL is giving you a better deal (assuming you dont mind a credit for future cruise vs cash)

 

so what say you :)

 

also if only one person is sick, do you get the entire price back for both?

Edited February 22, 2016 by luckyinpa