stipmom Posted March 24, 2015 #1 Share Posted March 24, 2015 Never bought insurance when I first book my trip because I feel cruise fare is refundable up to 75 days before so why buy it till then. I realize that 18 months in advance anything can happen so I think I would like a CFAR policy. Three of the ports are in Israel and if the cruiseline switches them I might not want to do the trip. Thanks Link to comment Share on other sites More sharing options...
Kamloops50 Posted March 24, 2015 #2 Share Posted March 24, 2015 Never bought insurance when I first book my trip because I feel cruise fare is refundable up to 75 days before so why buy it till then.I realize that 18 months in advance anything can happen so I think I would like a CFAR policy. Three of the ports are in Israel and if the cruiseline switches them I might not want to do the trip. Thanks Most insurance doesn't have CFAR . You can pay a premium and pay for it. Many cruise lines plans cover for CFAR. Link to comment Share on other sites More sharing options...
stipmom Posted March 25, 2015 Author #3 Share Posted March 25, 2015 I know you pay extra. Just wondering if you can get a policy that would give more than 75% back under CFAR Link to comment Share on other sites More sharing options...
sirwired Posted March 25, 2015 #4 Share Posted March 25, 2015 The only one I know of is Holland America's in-house policy. No 3rd-party policy I'm aware of offers more than 75%. I suppose they want you to have some "skin in the game" so you don't cancel at a total whim. (I guess Holland America figures they'll usually be able to re-sell the cabin, so it won't cost them nearly as many "real" dollars.) Link to comment Share on other sites More sharing options...
cherylandtk Posted March 27, 2015 #5 Share Posted March 27, 2015 I am not aware of any policy that pays more than 75% of the penalty in effect at the time of cancellation. That said, if you cancel before full penalty, you could get back more than 75% of your total costs, but you have to cancel before full penalty kicks in. You must also purchase within the 14-30 day limit and insure the full cost of your trip. Link to comment Share on other sites More sharing options...
Rare Hlitner Posted April 5, 2015 #6 Share Posted April 5, 2015 The only one I know of is Holland America's in-house policy. No 3rd-party policy I'm aware of offers more than 75%. I suppose they want you to have some "skin in the game" so you don't cancel at a total whim. (I guess Holland America figures they'll usually be able to re-sell the cabin, so it won't cost them nearly as many "real" dollars.) We think that HAL's in house policies are really problematic! While they do give you decent cancellation coverage, their medical insurance is wholly inadequate. Folks spend a lot of money to cover their cancellation, but then often risk their entire net worth with the mere $10,000 in medical coverage. These days one should seek at least $100,000 of med coverage and we personally would be uncomfortable with less then $200,000. Many HAL travelers are Seniors on Medicare with no other medical coverage outside the USA. Hank Link to comment Share on other sites More sharing options...
Kamloops50 Posted April 6, 2015 #7 Share Posted April 6, 2015 Princess has a similar policy that pays 100 % for canceling. I think there medical is a little higher amount. Sent from my SGH-I317M using Forums mobile app Link to comment Share on other sites More sharing options...
CantanaLobo Posted April 11, 2015 #8 Share Posted April 11, 2015 Cruise line ins will pay 100% for covered reasons up to whatever limit, just like insurance from an insurance company For CFAR, cruise line ins is usually a credit you can use with that specific cruise line. If you CFAR a Princess cruise, don't expect to be able to book a Celebrity cruise if you got Princess ins. Whether that's an onerous issue is for you to decide. Link to comment Share on other sites More sharing options...
klfrodo Posted April 11, 2015 #9 Share Posted April 11, 2015 Princess has a similar policy that pays 100 % for canceling. I think there medical is a little higher amount. Sent from my SGH-I317M using Forums mobile app http://www.princess.com/downloads/pdf/faq_answer_legal/Princess_Vacation_Protection.pdf Princess has 2 policies. Their regular policy, then their Platinum policy CFAR for regular is Up to 75% credit CFAR for Platinum is 100% Medical is up to $10K or $20K for Platinum. Both are terribly inadequate Link to comment Share on other sites More sharing options...
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