SMiller Posted March 19 Report Share Posted March 19 Good afternoon guys. We're embarking on our second cruise in May and have seen that Royal Caribbean has temporarily halted the port of Labadee which is one of our ports. Looking into getting travel insurance that covers missed ports. Does anyone have a specific company/plan that includes the missed port option in their insurance? Looking forward to any tips! Quote Link to comment Share on other sites More sharing options...
Biaggio Posted March 19 Report Share Posted March 19 They are doing you a favor by skipping Haiti. Whatever port they substitute will be better. Been there seen that. SMiller 1 Quote Link to comment Share on other sites More sharing options...
SMiller Posted March 19 Author Report Share Posted March 19 1 minute ago, Biaggio said: They are doing you a favor by skipping Haiti. Whatever port they substitute will be better. Been there seen that. I totally understand with all the violence. Was just curious if we could be reimbursed through travel insurance if we end up with another sea day/missing our port. Quote Link to comment Share on other sites More sharing options...
KJones Posted March 19 Report Share Posted March 19 The Allianz policy I bought through AAA had a line item for missed ports. It looks like up to $100/port, and maximum $300 per policy. Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted March 19 Report Share Posted March 19 Reimbursed for what though? CanHardlyWait, PPPJJ-GCVAB, bobroo and 1 other 4 Quote Link to comment Share on other sites More sharing options...
SMiller Posted March 19 Author Report Share Posted March 19 18 minutes ago, smokeybandit said: Reimbursed for what though? Reimbursed for a missed port/itinerary change. Quote Link to comment Share on other sites More sharing options...
WAAAYTOOO Posted March 19 Report Share Posted March 19 I agree with @smokeybandit. In order to file an insurance claim you must have suffered some financial loss that you are trying to recoup. There is no financial loss in missing a port unless you have a non-refundable excursion already purchased and that’s not even possible on Labadee. There is no claim to file. PhillyLady, AOlivr, CanHardlyWait and 3 others 6 Quote Link to comment Share on other sites More sharing options...
SMiller Posted March 19 Author Report Share Posted March 19 1 minute ago, WAAAYTOOO said: I agree with @smokeybandit. In order to file an insurance claim you must have suffered some financial loss that you are trying to recoup. There is no financial loss in missing a port unless you have a non-refundable excursion already purchased and that’s not even possible on Labadee. There is no claim to file. Here's the video I'm using as a reference: Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted March 19 Report Share Posted March 19 There's nothing in that video that proves she got compensation simply for a missed port or for what reason. She just says she got it. Quote Link to comment Share on other sites More sharing options...
CanHardlyWait Posted March 19 Report Share Posted March 19 If Royal refunds all things Labadee, what loss can anyone legitimately seek compensation for? I just don't see it happening. No financial loss, no financial compensation. michaelp1446 1 Quote Link to comment Share on other sites More sharing options...
Atlantix2000 Posted March 19 Report Share Posted March 19 Also consider that if you are buying insurance now, it may not apply to a cruise you have previously purchased. This would fall in the same category as "Oops, I have to cancel my cruise, so I better go buy an insurance policy, so I can get all my money back." The fact that you are already aware that your cruise could be skipping Labadee makes it too late to get insurance to cover that possibility. CanHardlyWait, WAAAYTOOO, michaelp1446 and 4 others 6 1 Quote Link to comment Share on other sites More sharing options...
ChessE4 Posted March 20 Report Share Posted March 20 I haven't ever filed a claim for a missed port, but as mentioned, I have seen it on my Allianz policies. As to whether a loss has occurred on a missed port, I'd say yes, as an imputed cost to the cruise. When taking a cruise, there is a reasonable expectation to visit ports, or else the fare would be less. So if no substitute port is provided, a loss HAS occurred. I would file a claim after the cruise. I agree this applies only if you already have the insurance. Not an attorney nor a spokesperson... Quote Link to comment Share on other sites More sharing options...
PPPJJ-GCVAB Posted March 20 Report Share Posted March 20 I believe the contract we enter into with Royal has a statement regarding the possibility of changes occurring during the cruise and that we agree and understand this can happen. Not sure there would be a reason to file a claim and for what? CanHardlyWait, PhillyLady and michaelp1446 3 Quote Link to comment Share on other sites More sharing options...
smokeybandit Posted March 20 Report Share Posted March 20 28 minutes ago, PPPJJ-GCVAB said: I believe the contract we enter into with Royal has a statement regarding the possibility of changes occurring during the cruise and that we agree and understand this can happen. Not sure there would be a reason to file a claim and for what? Only if you booked some non refundable event with a third party tour company michaelp1446, PhillyLady and PPPJJ-GCVAB 2 1 Quote Link to comment Share on other sites More sharing options...
ChessE4 Posted March 20 Report Share Posted March 20 Yes, the itinerary can change. That isn't the point. The point is whether you are receiving the value of what you insured. When there is a substitute port, it's harder to argue your loss. You aren't suing Royal, so the contract isn't relevant, but that is just my opinion. Who has actually claimed this provision? Quote Link to comment Share on other sites More sharing options...
ChessE4 Posted March 20 Report Share Posted March 20 Checking policy now. Missed port is separate from shore excursion coverage, and missed port includes substitute ports. Low/high water coverage covers river cruising issues, like changing ships or using land based alternatives. Quote Link to comment Share on other sites More sharing options...
BrianB Posted March 20 Report Share Posted March 20 I understand that some travel insurance policies do offer ‘Missed Port’ coverage for cruisers. It is an additional cost and allows a one-time set reimbursement per person covered. Usually $100. There are some restrictions and conditions…such as the missed port was not replaced with another. The missed port had to be replaced by a sea day. Even if port fees and excursions were refunded by the cruise line, and no loss occurred, the insurance would still pay out for the inconvenience of missing a planned port and not having a replacement. But, again…it is a rider to the policy and incurs an additional cost. So you have to weigh the risk versus the cost…as with all insurance policies. I never considered it so I didn’t really research it completely…but it’s always a good idea to check it out if that’s something that interests you. PhillyLady 1 Quote Link to comment Share on other sites More sharing options...
HeWhoWaits Posted March 20 Report Share Posted March 20 18 hours ago, Biaggio said: They are doing you a favor by skipping Haiti. Whatever port they substitute will be better. Been there seen that. Unless it's Nassau. PPPJJ-GCVAB 1 Quote Link to comment Share on other sites More sharing options...
SMiller Posted March 20 Author Report Share Posted March 20 19 hours ago, smokeybandit said: There's nothing in that video that proves she got compensation simply for a missed port or for what reason. She just says she got it. Do you want her to show her bank statements? Quote Link to comment Share on other sites More sharing options...
SMiller Posted March 20 Author Report Share Posted March 20 3 hours ago, ChessE4 said: Yes, the itinerary can change. That isn't the point. The point is whether you are receiving the value of what you insured. When there is a substitute port, it's harder to argue your loss. You aren't suing Royal, so the contract isn't relevant, but that is just my opinion. Who has actually claimed this provision? I'm totally fine with the itinerary changing. I just figured I'd ask to see if anyone has successfully submitted a claim like this to their insurance before. Fingers crossed they sub the port instead of doing another sea day. I've researched it and I've seen it on Redditt posts that people have done this but sadly no one says which insurance company/plan they go with. Quote Link to comment Share on other sites More sharing options...
SMiller Posted March 20 Author Report Share Posted March 20 13 hours ago, ChessE4 said: I haven't ever filed a claim for a missed port, but as mentioned, I have seen it on my Allianz policies. As to whether a loss has occurred on a missed port, I'd say yes, as an imputed cost to the cruise. When taking a cruise, there is a reasonable expectation to visit ports, or else the fare would be less. So if no substitute port is provided, a loss HAS occurred. I would file a claim after the cruise. I agree this applies only if you already have the insurance. Not an attorney nor a spokesperson... For sure! I wouldn't expect it if we didn't have travel insurance. Do you know which Allianz policy you've seen it on? Quote Link to comment Share on other sites More sharing options...
AshleyDillo Posted March 20 Report Share Posted March 20 2 hours ago, SMiller said: I'm totally fine with the itinerary changing. I just figured I'd ask to see if anyone has successfully submitted a claim like this to their insurance before. Fingers crossed they sub the port instead of doing another sea day. I've researched it and I've seen it on Redditt posts that people have done this but sadly no one says which insurance company/plan they go with. I have never personally had a claim for this because this coverage usually is not available for Florida residents. Anecdotally I have heard people were able to collect on this coverage even prior to sailing if the cruise line modified the itinerary. This is not to be confused with the coverage for pre-paid excursions which is a separate claim and included under the majority of trip insurance policies. Nationwide Universal Cruise Plan is one policy I have seen with this coverage (https://travel.nationwide.com/plans/cruise) In this screen shot the $100 is the flat coverage for an itinerary change and the $250 is the limit they would pay on a claim for non-refundable excursions. Quote Link to comment Share on other sites More sharing options...
DoomSlayer Posted March 20 Report Share Posted March 20 This was the first time in a long time I was happy I had travel insurance that included trip interruption because of the situation in Haiti. Granted, it is through my credit card, but it gave me peace of mind when I received the new itinerary this morning for an upcoming trip. Our ports of call were all reshuffled and I spent the morning working with 3rd party tour operators to get things moved or cancelled. Because I had used my travel card to purchase everything, I knew if I was unable to get refunds, they would take care of me. The only catch in this case is everything must have been purchased with that card, which it was in my case. I already have the charges reversed and pending in my credit card account now. Quote Link to comment Share on other sites More sharing options...
ChessE4 Posted March 20 Report Share Posted March 20 3 hours ago, SMiller said: For sure! I wouldn't expect it if we didn't have travel insurance. Do you know which Allianz policy you've seen it on? it's on one we just had for a cruise in South Pacific. It wasn't the basic coverage, but an enhanced one. Quote Link to comment Share on other sites More sharing options...
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