coscab Posted November 13, 2022 #1 Share Posted November 13, 2022 I am getting ready to insure my trip, I have done it many times for full amount I paid for cruise, I am thinking maybe I should minus the port charges when requesting a quote, I have read recently that you should only include non refundable amount of trip. Anyone have any info on this? Link to comment Share on other sites More sharing options...
gabbygal99 Posted November 14, 2022 #2 Share Posted November 14, 2022 18 hours ago, coscab said: I am getting ready to insure my trip, I have done it many times for full amount I paid for cruise, I am thinking maybe I should minus the port charges when requesting a quote, I have read recently that you should only include non refundable amount of trip. Anyone have any info on this? Norwegian is one of the few cruise lines that does NOT refund port taxes and fees when a port is cancelled. I was on Escape in August and they cancelled Corfu AND Mykonos, replaced with extra sea days, and we didn’t get a dime back. Link to comment Share on other sites More sharing options...
Rare Turtles06 Posted November 14, 2022 #3 Share Posted November 14, 2022 21 minutes ago, gabbygal99 said: Norwegian is one of the few cruise lines that does NOT refund port taxes and fees when a port is cancelled. I was on Escape in August and they cancelled Corfu AND Mykonos, replaced with extra sea days, and we didn’t get a dime back. You’ve misunderstood the OP’s question. They are asking about the situation in which *they* have to cancel the cruise – – what would NCL refund? OP: I asked my PCC about this exactly for the reason you are asking — what is not-refundable and therefore needs to be insured? My PCC said that if you cancel the cruise at the last minute (in other words, in the full penalty period), NCL *will* refund the taxes and port fees, gratuities on the beverage and dining packages, and (if you’ve pre-paid them) the daily grats. So no need to insure those expenses with your third party travel insurer. 1 Link to comment Share on other sites More sharing options...
vacation44 Posted November 14, 2022 #4 Share Posted November 14, 2022 11 minutes ago, Turtles06 said: You’ve misunderstood the OP’s question. They are asking about the situation in which *they* have to cancel the cruise – – what would NCL refund? OP: I asked my PCC about this exactly for the reason you are asking — what is not-refundable and therefore needs to be insured? My PCC said that if you cancel the cruise at the last minute (in other words, in the full penalty period), NCL *will* refund the taxes and port fees, gratuities on the beverage and dining packages, and (if you’ve pre-paid them) the daily grats. So no need to insure those expenses with your third party travel insurer. This is a very informative answer. Thank you for sharing your information. 1 Link to comment Share on other sites More sharing options...
ChiefMateJRK Posted November 14, 2022 #5 Share Posted November 14, 2022 1 hour ago, Turtles06 said: gratuities on the beverage and dining packages, Are you sure about this part? Link to comment Share on other sites More sharing options...
RocketMan275 Posted November 14, 2022 #6 Share Posted November 14, 2022 20 hours ago, coscab said: I am getting ready to insure my trip, I have done it many times for full amount I paid for cruise, I am thinking maybe I should minus the port charges when requesting a quote, I have read recently that you should only include non refundable amount of trip. Anyone have any info on this? It may not matter. Insurance rates are determined in increments of $500. If the port charges do not push you above the next $500, then it won't affect the cost of insurance. 1 Link to comment Share on other sites More sharing options...
vacation44 Posted November 14, 2022 #7 Share Posted November 14, 2022 59 minutes ago, RocketMan275 said: It may not matter. Insurance rates are determined in increments of $500. If the port charges do not push you above the next $500, then it won't affect the cost of insurance. Not on my pricing with a third party insurance broker. My estimated insurance has gone done with every price drop since we booked. I am waiting to purchase the insurance until a few days before final payment to get the lowest price I can. Link to comment Share on other sites More sharing options...
Rare Turtles06 Posted November 14, 2022 #8 Share Posted November 14, 2022 2 hours ago, ChiefMateJRK said: Are you sure about this part? My very experienced PCC told me this Link to comment Share on other sites More sharing options...
Rare ontheweb Posted November 14, 2022 #9 Share Posted November 14, 2022 3 hours ago, RocketMan275 said: It may not matter. Insurance rates are determined in increments of $500. If the port charges do not push you above the next $500, then it won't affect the cost of insurance. OTOH, if they push you into the next $500, then it will affect the cost of insurance. Link to comment Share on other sites More sharing options...
MagnoliaBlossom Posted November 14, 2022 #10 Share Posted November 14, 2022 Call Steve at Tripinsurancestore.com and get a totally accurate answer. He doesn’t even care if you buy your insurance elsewhere, he just wants everyone to be as informed as possible. 1 Link to comment Share on other sites More sharing options...
Rare Turtles06 Posted November 14, 2022 #11 Share Posted November 14, 2022 5 hours ago, RocketMan275 said: Insurance rates are determined in increments of $500 Not necessarily true, and not for every insurer Link to comment Share on other sites More sharing options...
bluesea777 Posted November 14, 2022 #12 Share Posted November 14, 2022 In July 2019 I had to cancel our cruise a week before the sail date due to a severe medical condition. We had NCL insurance. Upon cancelling the cruise NCL refunded all taxes, grats, pre-paid DSCs, excursions, and the insurance refunded the cruise fare. Link to comment Share on other sites More sharing options...
DaisyGoldberg Posted November 15, 2022 #13 Share Posted November 15, 2022 We canceled a week out and NCL refunded the port fees, etc pretty rapidly. The NCL Insurance refund of cruise fare took about a month, but a lot of that was getting all the medical information/releases, etc. A very smooth and efficient claims process -- was expecting a nightmare. Link to comment Share on other sites More sharing options...
victory2020 Posted November 16, 2022 #14 Share Posted November 16, 2022 On 11/14/2022 at 1:57 PM, MagnoliaBlossom said: Call Steve at Tripinsurancestore.com and get a totally accurate answer. He doesn’t even care if you buy your insurance elsewhere, he just wants everyone to be as informed as possible. He's the best! Link to comment Share on other sites More sharing options...
MagnoliaBlossom Posted November 16, 2022 #15 Share Posted November 16, 2022 8 hours ago, victory2020 said: He's the best! Yes, he is. He has a great blog sorta on the insurance thread. Link to comment Share on other sites More sharing options...
jennjess Posted November 16, 2022 #16 Share Posted November 16, 2022 We had to disembark early due to a medical emergency and all port fees, pre paid gratuities, excursions and drink packages were reimbursed. We didn't have NCL insurance but a third party insurance which covered the cruise cost without the extras. 1 Link to comment Share on other sites More sharing options...
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