Cruise insurance....

[DiamondBill102]

Have a cruised booked for August on Carnival.   Looking to get insurance in case my wife or I test positive on our precruise test.  However we cant get it through Carnival because we live in NY.  I tried InsureMyTrip but they said I would have to get "cancel for any reason" BUT I have to cancel 48-72 hours before cruise.  I believe Carnival requires a test 24 hours prior to sailing.   Any advice?   Has anyone from NY dealt with this?

[TheOldBear]

34 minutes ago, DiamondBill102 said:

Have a cruised booked for August on Carnival.   Looking to get insurance in case my wife or I test positive on our precruise test.  However we cant get it through Carnival because we live in NY.  I tried InsureMyTrip but they said I would have to get "cancel for any reason" BUT I have to cancel 48-72 hours before cruise.  I believe Carnival requires a test 24 hours prior to sailing.   Any advice?   Has anyone from NY dealt with this?

There is a Cruise/Travel Insurance forum full of similar questions & matching answers.

 

NY does not permit 'cancel of any reason' insurance - probably for a reason that only makes sense to a lobbyist  or bureaucrat in Albany.

I used the Trip Insurance Store [see dedicated sub-forum] to select suitable insurance coverage - including cancel for work reason coverage.

 

If Carnival's rules are similar to other Carnival sub-brands [e.g. Cunard] if you cannot board [denied boarding] due to Covid reasons, you will receive [non refundable] credit for your cruise fare, and refund of other related purchases [e.g. shore excursions]. That applies to bookings linked to your booking. [check the posted policies and your cruise contract for details]

 

If you initiate the cancelation, then the standard scheduled forfeiture of advance payments is in place. [less back to you closer to the sailing date]. Without 'cancel for any reason' coverage, cancelations you initiate are not covered by insurance.

[GeezerCouple]

23 hours ago, DiamondBill102 said:

Have a cruised booked for August on Carnival.   Looking to get insurance in case my wife or I test positive on our precruise test.  However we cant get it through Carnival because we live in NY.  I tried InsureMyTrip but they said I would have to get "cancel for any reason" BUT I have to cancel 48-72 hours before cruise.  I believe Carnival requires a test 24 hours prior to sailing.   Any advice?   Has anyone from NY dealt with this?

 

Here is the link for the Travel Insurance subforum of CC:

 

https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/

 

I'm not sure why you would need to get CFAR coverage, but that's a different issue.

 

I suggest you call the folks at www.TripInsuranceStore.com

--> Call, don't just read the online summaries.

They'll be familiar with the insurance specifics for residents of NY.

GC

[Host Kat]

On 5/4/2022 at 7:11 PM, DiamondBill102 said:

Have a cruised booked for August on Carnival.   Looking to get insurance in case my wife or I test positive on our precruise test.  However we cant get it through Carnival because we live in NY.  I tried InsureMyTrip but they said I would have to get "cancel for any reason" BUT I have to cancel 48-72 hours before cruise.  I believe Carnival requires a test 24 hours prior to sailing.   Any advice?   Has anyone from NY dealt with this?

 

Howdy @DiamondBill102 

 

Thank you for your new thread on the Ask a Cruise Question forum. 👍 It is the forum for general questions regarding cruising. However, your thread is off topic there since there is a whole forum regarding your topic. 

 

To help you out, your thread has been moved to the Cruise/Travel Insurance forum where it will be on topic. Browse through thread titles here on this forum and

l👀k for titles of interest. You will probably find your fellow Cruise Critic members have already posted questions and received answers that will be of interest to you.

 

Hope this will be helpful and glad to have you aboard Cruise Critic! 

 

Happy sails,

 

Host Kat