Canceling a cruise?

[welove2cruise2014]

Long story short, we are well past final payment and may need to cancel an upcoming cruise.

 

We did purchase the insurance. I understand it as we'll get the full fare refunded if the cancellation falls under the "covered reasons", and 75% of the fare as a future cruise credit if we cancel for a non-covered reason.

 

I am interested to hear others' experiences that may have had to cancel an NCL cruise (those that also purchased the insurance). Thanks!

 

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[yankees111]

Your best option is to call NCL direct.

 

 

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[realcindylouwho]

I struggled to link my post so I copied and pasted. This is our personal experience.

In early 2015 my DH and I booked the Dawn for a 9 day cruise out of New Orleans. If you have booked this far in advance, you know the time creeps by so slowly and it seems as though the day of embarkation will never arrive!

 

Time does go by and 2016 was a hard year for us with family illnesses, two deaths, a divorce, and a major health and job transition for our oldest son. I turned 50 this year and at this age we have growing concerns with our aging parents, don't we?!

 

Introduce late September, we are getting SO excited about our rapidly arriving cruise. Two days in the French Quarter before getting on the boat and drinking, sunning, snorkeling, eating and laughing with friends on our aft suite balcony. Our happy place is approaching!!!

 

However, as life is in control, this is not what happened. Our newly turned 20 year old college student son called us on September 26th to tell us he had just been diagnosed with Testicular Cancer. in the following days he had surgery, CT scans of the torso and MRI's of the brain. His final diagnosis was T.C. with metastasis to the abdominal lymph nodes and both lobes of the lungs. Stage III. We had been kicked hard in the gut and as a parent all you want to do is fight for your child to be cured. We pulled him out of college, contacted one of the top specialists in the nation and gathered a team of doctors to treat his aggressive form of cancer. The cost to fight cancer is high, treatments are pricey and just one shot he may need to increase his white blood cell counts would cost $18,000. We have excellent insurance through my DH's employer and are fortunate that we have the financial means to pay.

 

Honestly, I was sad about needing to cancel the trip and I allowed myself to have short little pity parties over it, I'm human. We made the call to our PCC and he instructed us the next steps to take to receive a refund through NCL's travel insurance, which we ALWAYS purchase. Yes, I know there are other companies out there, yes, I know we could do it cheaper, for better coverage. The simplicity of adding this on when we book our cruise is a convenience we use. Truly, its just EASY. In the meantime, NCL refunded us our taxes, gratuities and other costs we had pre-paid.

 

An e-mail was sent with a document that we and our oncologist would need to fill out. Our doctor was familiar with the form and handed it off to his nurse. A few days later it was handed back to us completed and it was sent on to the company. An e-mail reply came to us with confirmation they had received our form and they would review our claim. Exactly three weeks later we had an e-mail stating everything was approved and a check was going out in the mail in two days for $xxx amount of money. 100% of our cruise costs were refunded between NCL and NCL's travel insurance. The amount of time it took was just over three weeks.

 

Rarely have I read on C.C. cases of NCL cruisers taking out NCL's travel insurance and needing to cancel. I wanted to give our story with the timetable for others to refer to in the future.

 

In addition, our son will be starting his third round of chem on Monday 12/05. As you remember from above, he was staged as three. After his first round of chemo, blood cancer markers were drawn and they were in the NORMAL RANGE!!! He has the most aggressive form of Testicular Cancer yet it is the MOST responsive form to this advanced blend of chemotherapy (BEP). This type of cancer can double in size every 10-30 days. Please, do monthly self examinations! Women, tell every male in your life how important it is to self examine and anything feels abnormal to go to a doctor immediately, do not wait a week, a month. T.C. is the most curable cancer a man can get in his lifetime IF it is caught early, as our sons was. He will be done with chemo on 12/19 and after another month of his parents doting on him, he will return back to college in January, 100% cancer free! As a "Thank God 2016 is finally done!" DH and I are likely jumping on the Getaway in late January.

 

Moral to the story is two part: Buy travel insurance for all of the WHAT IF THIS HAPPENS and SELF CHECK YOUR BALLS!!!;)

 

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[realcindylouwho]

I struggled to link my post so I copied and pasted. This is our personal experience.

In early 2015 my DH and I booked the Dawn for a 9 day cruise out of New Orleans. If you have booked this far in advance, you know the time creeps by so slowly and it seems as though the day of embarkation will never arrive!

 

Time does go by and 2016 was a hard year for us with family illnesses, two deaths, a divorce, and a major health and job transition for our oldest son. I turned 50 this year and at this age we have growing concerns with our aging parents, don't we?!

 

Introduce late September, we are getting SO excited about our rapidly arriving cruise. Two days in the French Quarter before getting on the boat and drinking, sunning, snorkeling, eating and laughing with friends on our aft suite balcony. Our happy place is approaching!!!

 

However, as life is in control, this is not what happened. Our newly turned 20 year old college student son called us on September 26th to tell us he had just been diagnosed with Testicular Cancer. in the following days he had surgery, CT scans of the torso and MRI's of the brain. His final diagnosis was T.C. with metastasis to the abdominal lymph nodes and both lobes of the lungs. Stage III. We had been kicked hard in the gut and as a parent all you want to do is fight for your child to be cured. We pulled him out of college, contacted one of the top specialists in the nation and gathered a team of doctors to treat his aggressive form of cancer. The cost to fight cancer is high, treatments are pricey and just one shot he may need to increase his white blood cell counts would cost $18,000. We have excellent insurance through my DH's employer and are fortunate that we have the financial means to pay.

 

Honestly, I was sad about needing to cancel the trip and I allowed myself to have short little pity parties over it, I'm human. We made the call to our PCC and he instructed us the next steps to take to receive a refund through NCL's travel insurance, which we ALWAYS purchase. Yes, I know there are other companies out there, yes, I know we could do it cheaper, for better coverage. The simplicity of adding this on when we book our cruise is a convenience we use. Truly, its just EASY. In the meantime, NCL refunded us our taxes, gratuities and other costs we had pre-paid.

 

An e-mail was sent with a document that we and our oncologist would need to fill out. Our doctor was familiar with the form and handed it off to his nurse. A few days later it was handed back to us completed and it was sent on to the company. An e-mail reply came to us with confirmation they had received our form and they would review our claim. Exactly three weeks later we had an e-mail stating everything was approved and a check was going out in the mail in two days for $xxx amount of money. 100% of our cruise costs were refunded between NCL and NCL's travel insurance. The amount of time it took was just over three weeks.

 

Rarely have I read on C.C. cases of NCL cruisers taking out NCL's travel insurance and needing to cancel. I wanted to give our story with the timetable for others to refer to in the future.

 

In addition, our son will be starting his third round of chem on Monday 12/05. As you remember from above, he was staged as three. After his first round of chemo, blood cancer markers were drawn and they were in the NORMAL RANGE!!! He has the most aggressive form of Testicular Cancer yet it is the MOST responsive form to this advanced blend of chemotherapy (BEP). This type of cancer can double in size every 10-30 days. Please, do monthly self examinations! Women, tell every male in your life how important it is to self examine and anything feels abnormal to go to a doctor immediately, do not wait a week, a month. T.C. is the most curable cancer a man can get in his lifetime IF it is caught early, as our sons was. He will be done with chemo on 12/19 and after another month of his parents doting on him, he will return back to college in January, 100% cancer free! As a "Thank God 2016 is finally done!" DH and I are likely jumping on the Getaway in late January.

 

Moral to the story is two part: Buy travel insurance for all of the WHAT IF THIS HAPPENS and SELF CHECK YOUR BALLS!!!;)

 

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UPDATE... son has reached 19 months cancer free! Monthly self exams are so very important.

 

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[johnrich]

UPDATE... son has reached 19 months cancer free! Monthly self exams are so very important.

 

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Thank you so much for sharing your story with us. DW and I are fairly healthy and in the past have opted out for insurance. Our thoughts on it have definitely changed though. My brother had a stroke last August and they found that it was caused by brain cancer - stage 4. Another brother had a heart attack on Thanksgiving morning (while DW, MIL, and I were on the Epic) and then MIL had a stroke on Christmas Eve. Getting insurance is not only about our health, but the health of our loved ones. We have insurance for our two upcoming cruises and will continue to purchase it in the future.

 

Once again, thanks for sharing your story and may God bless your family, especially your son and continue to heal him and comfort you!

 

 

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[HBCcruiser]

UPDATE... son has reached 19 months cancer free! Monthly self exams are so very important.

 

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That’s awesome!! God bless.

 

 

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[BirdTravels]

Long story short, we are well past final payment and may need to cancel an upcoming cruise.We did purchase the insurance. I understand it as we'll get the full fare refunded if the cancellation falls under the "covered reasons", and 75% of the fare as a future cruise credit if we cancel for a non-covered reason. I am interested to hear others' experiences that may have had to cancel an NCL cruise (those that also purchased the insurance). Thanks!

When you cancel, you automatically get a refund of port fees and taxes. Then you automatically receive a refund of the cruise fare based on cancellation penalty you are at.

 

Once you get your cancellation receipt from NCL, you file an insurance claim based on your reason for cancellation.

 

If the insurance company denies your claim, you notify NCL of the insurance claim rejection. At that point, the 75% of fare is placed on your online account (not visible to you) for use on a future cruise.

[karinad]

When you cancel, you automatically get a refund of port fees and taxes. Then you automatically receive a refund of the cruise fare based on cancellation penalty you are at.

 

Once you get your cancellation receipt from NCL, you file an insurance claim based on your reason for cancellation.

 

If the insurance company denies your claim, you notify NCL of the insurance claim rejection. At that point, the 75% of fare is placed on your online account (not visible to you) for use on a future cruise.

Does it matter if you buy NCL's Travel Insurance or through another like Insuremytrip? I've never had to cancel with NCL (and hope not to) but we did with Carnival when our daughter passed away suddenly. We had no trouble getting our money back.

 

Sorry if I misunderstood.

[Maniacal Cruiser]

Does it matter if you buy NCL's Travel Insurance or through another like Insuremytrip? I've never had to cancel with NCL (and hope not to) but we did with Carnival when our daughter passed away suddenly. We had no trouble getting our money back.

 

Sorry if I misunderstood.

 

 

I --THINK-- NCL's 75% only backs up insurance offered through them.

[newmexicoNita]

We always take insurance with whatever company our TA is using at the time. But to the OP, if you have a reason to cancel that is covered by whatever insurance you have you will be just fine. Just be prepared to have all the documentation they require.

 

Realcindy: thanks for sharing your story: good luck to your son, of course the good news is he is cancer free right now. Hope this continues. For us, anyway, it seems when we have had a family member struct with cancer, my husband comes to mind: you get much past that first year and it seems the future is favorable.

[seastar2]

If one person is a cabin cancels how does that effect the cost and perks for the other person??

[alyssazoll]

We had to cancel our last cruise with NCLs insurance 4 days prior to departure as my MILs health declined. I called NCL before she passed to cancel because it sounded like she wouldn’t be here when we got back. The NCL rep was amazing and was crying with me on the phone. We got a refund within a week of our excursions and port fees. You have to file a claim through Aon Insurance to get the rest of the cruise fare refunded. We had to submit our cruise invoice, obituary, and death certificate, and 6 weeks later checks came in the mail. Obviously if your circumstance is different there will be other hoops to go through. I was so surprised how easy the process was. It’s definitely worth the extra money!

 

 

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[Budget Queen]

We always take insurance with whatever company our TA is using at the time. But to the OP, if you have a reason to cancel that is covered by whatever insurance you have you will be just fine. Just be prepared to have all the documentation they require.

 

.

 

I disagree, never would I ever just accept a random insurance policy without scrutinizing and knowing my needs and covering them. What do you think your agent's main priority is? To find the best policy out there for you? No, it's commissions.

 

In my opinion, you are FAR better insuring travel for WHAT you need and covering the risks you do not want to take. A better option for this is buying a separate policy.

[myra711]

UPDATE... son has reached 19 months cancer free! Monthly self exams are so very important.

 

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RealCindy -

I remember reading your story earlier. I am so glad to hear that all is well!