Vacation Protection & Covid

[parrothead74]

I'm booked on a Halloween Cruise on the Magic.  I don't get the vacation protection because I'm generally healthy and travel in the day prior.  I have until August to add it, prior to final payment, but my question is if the ship sails, but there are still travel restrictions and being a NY resident, will I get FCC if it is unsafe or unwise to travel?    

[klfrodo]

1 hour ago, parrothead74 said:

 but there are still travel restrictions and being a NY resident,     

Are you aware that the state of New York changed their law against CFAR coverage?

[parrothead74]

I suppose not.  What’s a CFAR?

[coevan]

Center for Aids Research, not sure what it has to do with cruising.

 

[bury me at sea]

8 minutes ago, parrothead74 said:

I suppose not.  What’s a CFAR?

 

Cancel for Any Reason.  It can be added to some travel policies.

[Illbcruzn4life]

cancel for any reason smh!

 

[coevan]

cancel for any reason does not cover pandemics or other acts of nature 

[parrothead74]

8 minutes ago, Illbcruzn4life said:

cancel for any reason smh!

 

SMH?  Sorry that I’m an ignorant wretch

[Illbcruzn4life]

Just now, parrothead74 said:

SMH?  Sorry that I’m an ignorant wretch

 

sorry - shaking my head

 

my wifes favorite emoji when texting me lol

[parrothead74]

16 minutes ago, Illbcruzn4life said:

 

sorry - shaking my head

 

my wifes favorite emoji when texting me lol

Understandable, I’m a married man as well.

[parrothead74]

33 minutes ago, coevan said:

Center for Aids Research, not sure what it has to do with cruising.

 

LOL

[N7786W Flyer]

1 hour ago, coevan said:

cancel for any reason does not cover pandemics or other acts of nature 

 

So, "Cancel For Any Reason" does not cover canceling for any reason???  Seems contradictory at best...

 

Garnett

Edited April 19, 2020 by N7786W Flyer

[coevan]

46 minutes ago, parrothead74 said:

LOL

 Google CFAR, you will see no mention of insurance

[Joe817]

2 minutes ago, coevan said:

 Google CFAR, you will see no mention of insurance

Not quite true. I found it on p.2:

https://www.forbes.com/sites/lealane/2020/03/03/is-cfar-travel-insurance-worth-it-if-youre-planning-a-trip-during-this-outbreak-of-coronavirus/#5e8c2433469b

[klfrodo]

1 hour ago, coevan said:

cancel for any reason does not cover pandemics or other acts of nature 

Cancel For Any Reason is just that  ANY reason in the world.

 

The only thing you have to say is, "I don't want to go anymore". That's it, end of discussion. Policy pays max. Crusieline policy usually pays 75% in the form a an FCC. With Carnival policy or other cruiseline policies, you can cancel all the way up to 1 minute before scheduled departure.

[coevan]

2 hours ago, Joe817 said:

Not quite true. I found it on p.2:

https://www.forbes.com/sites/lealane/2020/03/03/is-cfar-travel-insurance-worth-it-if-youre-planning-a-trip-during-this-outbreak-of-coronavirus/#5e8c2433469b

 

 

you love it don't you 😇

[Purvis1231]

5 hours ago, N7786W Flyer said:

 

So, "Cancel For Any Reason" does not cover canceling for any reason???  Seems contradictory at best...

 

Garnett

 

6 hours ago, coevan said:

cancel for any reason does not cover pandemics or other acts of nature 

A hurricane is an act of nature, so if a hurricane is bearing down, I cannot use the insurance? 

Edited April 20, 2020 by Purvis1231
typo

[Doggielover68]

9 hours ago, parrothead74 said:

I'm booked on a Halloween Cruise on the Magic.  I don't get the vacation protection because I'm generally healthy and travel in the day prior.  I have until August to add it, prior to final payment, but my question is if the ship sails, but there are still travel restrictions and being a NY resident, will I get FCC if it is unsafe or unwise to travel?    

Please get travel insurance anyway. Accidents happen. 

 

Cancel for any reason insurance is expensive and it still doesn't cover everything. 

 

Example: suppose you decide to cancel the trip and you have flights. You have to cancel the flight (and pay any applicable cancellation fee) and the insurance will cover 75% of the remainder (but won't reimburse the cancellation fee). 

 

Of course, policies differ...but medical coverage is my main reason for getting insurance. 

[Purvis1231]

2 minutes ago, Doggielover68 said:

Please get travel insurance anyway. Accidents happen. 

 

 

 

 

Right, plus the travel will health benefits will cover the virus, if you got sick on the ship (at least my policy does.).

[UrbishN]

5 hours ago, coevan said:

 Google CFAR, you will see no mention of insurance

I have CFAR . Purchased it from a 3rd party . It does cover pandemic , but only because I purchased the policy last year before the pandemic . Since my cruise was cancelled . I was able to change the dates . I don’t know if anyone is selling those policies at the moment however . But you can try . It also covers bankruptcy/ financial default. Try Travelinsured.com 

[Luvsnorkeling]

I just bought a Cancel for Any Reason policy for an upcoming cruise. I booked the cruise through an online agency, not Carnival. The TA from that agency said the agency has stopped selling Cancel for Any Reason insurance (I'm guessing because of COVID-19, because they sold it as recently as December of last year). But I found a policy through an online travel insurance broker where you can compare different companies and their policies. Just do a search on travel insurance and a few such brokers' websites will turn up.

 

The policy was not cheap. But it does cover cancelling for COVID-19 as well as a host of other reasons, including storms. It does not refund 100% of non-refundable charges; only 75%. Not sure any travel insurance will cover 100%. But that beats losing everything you've paid. It pays to cover charges for reinstating airline miles used for travel which is important to me. It also has better medical and medical evacuation coverage than cruise line policies have, and if you buy it within 14 days of making the first payment toward your cruise and/or travel expenses, it also covers pre-existing medical conditions, if that's an issue for anyone.

 

Hope you find what you're looking for...and happy cruising!! 😎

[cruisinmeme]

Yes, healthy or not get insurance.had a December cruise all paid for. 4 days before sailing my 51 yr old son had a brain bleed and was flown to another hospital.  So even though my husband and i are over 70 he was the one with the health issue.  The insurance paid for our cruise. Cruise line paid us for the tax/port charges and Tax’s.