Coverage for cruise itinerary that gets changed at the last minute?

[MisterBill99]

Someone who was on the recent MSC cruise that got rerouted from Nassau, Bahamas to Canada the day before they sailed (due to bad weather) claimed that some people who were supposed to be on board had cancelled and had their insurance cover it. Is there any policy that would do this, other than utilizing the Cancel for any Reason coverage (which presumably would not be at 100% and not everyone has)?

 

Similar question for people who were supposed to go to Israel and had their itinerary changed. 

 

Thanks.

[InsureMyTrip]

Some comprehensive travel insurance plans may offer coverage to cancel your trip if inclement weather causes a delay of a common carrier for a specific number of hours.  Typically, just diverting a cruise would not be a covered reason for cancellation.  Some plans may offer inconvenience benefits if the cruise is diverted to different ports after departure and you miss out on a prepaid, non-refundable excursion. We can't speak on the this specific traveler's situation because we don't know what coverage they may have had but it's important to read and understand the covered reason for cancellation and interruption and always try to work with the cruise line if a situation arises.  

 

For those who had trips books to Israel before the conflict broke out, if they had a comprehensive travel insurance lan, there may have been coverage for those who were departing within a certain period of time (typically 30 days) after the initial terrorist incident occurred.  At this point, since the conflict/war has been ongoing, Cancel for Any Reason would most likely be the only option if someone had a trip booked and does not feel comfortable traveling.  

[GeezerCouple]

On 1/8/2024 at 9:10 AM, InsureMyTrip said:

Some comprehensive travel insurance plans may offer coverage to cancel your trip if inclement weather causes a delay of a common carrier for a specific number of hours.

 

1) There are plans that would allow the traveler to cancel the trip and receive full refund if there was a delay for a specific number of hours?

There wouldn't be any requirement to try to join the trip at a subsequent port (assuming that is legal, which is not always the case)?

 

2) And the way you've written your response makes it seem that there are policies that would offer coverage to get a full refund IF, say, inclement weather caused a delay of a common carrier for a specific number.  That sounds like one wouldn't even need to miss the cruise departure...

 

I've never been quite clear about the first scenario above... how does that actually work?

(And I'll assume the second scenario was simply wording of the reply, and not any actual insurance coverage.  But IF there is a policy that IS written that way...??)

 

Thanks.

GC

 

[MisterBill99]

On 1/8/2024 at 9:10 AM, InsureMyTrip said:

Some comprehensive travel insurance plans may offer coverage to cancel your trip if inclement weather causes a delay of a common carrier for a specific number of hours.  Typically, just diverting a cruise would not be a covered reason for cancellation.  Some plans may offer inconvenience benefits if the cruise is diverted to different ports after departure and you miss out on a prepaid, non-refundable excursion. We can't speak on the this specific traveler's situation because we don't know what coverage they may have had but it's important to read and understand the covered reason for cancellation and interruption and always try to work with the cruise line if a situation arises.  

 

None of this would apply in this case. Departure was not delayed; it just didn't go where it was originally supposed to. The entire itinerary was changed (other than the start and end ports), and it occurred before they left.