Can someone please help interpret the new policy

[Wakepatrol]

If the state department is telling us not to set foot on a cruise ship why should anyone lose a single cent?🥺

[Cindy]

I’m trying to help my mom (she is 88) figure this out. It’s hard, because I’m doing it long distance AND she booked through her friend’s TA so I don’t have solid figures.
 

Even though my mom will lose money, I think she’s leaning towards using her Cancellation Protection Plan and taking the refund rather than an FCC. If I understand correctly, the cost of the policy would be taken off the top, then she would get:

*25% of the cruise fare refunded at 100% (17 days until sailing)

*100% refund of prepaids such as gratuities and Internet, etc.

*100% refund of port fees

*75% of the fare refunded at 80%

 

Let me know if I’m looking at that correctly. I think she might rather take a small loss than get an FCC. If she could apply the FCC to her cruise in September I think she would take it, but since she can’t I think she would prefer the refund.

 

Thanks!

Edited March 10, 2020 by Cindy

[Curlingwhiz]

So we went ahead and cancelled one of our cruises departing in May.  We had purchased the 80% "cancel for any reason" insurance provided by HA.  We had also purchased our airfare thru HA.  This is what resulted (3 couples - we all got the same treatment)

 

When I originally contacted HA, the representative started doing our calculation based on all port charges, no refund for insurance premium, 80% of cruise/air cost.  The difference of 20% would be a future cruise credit.

 

BUT one of our party noticed that we were still within the period of just losing our deposit and not the 50% - our cruise was May 23, so the 50% kicks in Mar 21.  By just losing our deposit ($100 per person) we were much better off.

 

The rep said that once you buy insurance, the system automatically enacts the insurance rebate, but I was not happy with that as I did not want a large future cruise credit - really not 100% sure when we will cruise again and we can use our money back for other purposes.  Anyway, the rep said he couldn't change it but he could talk to a supervisor (which would entail a couple days to figure out)  Luckily our rep (who's been very helpful in the past) managed to get hold of a supervisor and had it overwritten so that we could just lose our insurance premium (definite) and our $200.  The supervisor actually authorized a charge of only $91 plus our insurance $414 for a total loss of $504.  We are pleased.  There has been 2 conflicting comments from the two reps involved as to how much will be a FCC - either $91 or $504 - again, I am fine with either.

 

I have written this so that people that are in that window that gives them a better return by not using their insurance can double check their dates.  In all three instances, this request did require the rep to contact a supervisor, but maybe by today that might not be necessary.

 

Good luck everyone - we have left our September cruise active for a while - a wait and see plan