Debate

That’s great information.  I’m most interested in a cash back plan instead of a future cruise.  Thank you!  
 

37 minutes ago, Jersey42 said:

If you are looking for a cruise line CFAR policy (as the title says), Holland America offers the best option by far.  With their Platinum plan, you get 90% back in cash for any cancelation.  There are no covered reasons for cancelation, so all cancelations are essentially CFAR.  Other cruise lines offer 75% to 100% but it is in the form of a future cruise credit with an expiration date. If an FCC is acceptable, Princess and Viking offer 100%.

 

On the other hand, HAL's medical coverage is poor ($10K and pays secondary), so I would not rely on the HAL plan as my only source of medical coverage.