We have a cruise planned for January 2023 and as I understand it, all passengers have to provide proof of a negative COVID test prior to boarding.
Having never purchased travel insurance before (have a great plan with my employer), I am curious about the type of coverage I require, should I unexpectedly test positive prior to boarding the cruise.
1. Do any of the Canadian credit cards have this coverage? I looked at the T&C of my RBC Avionics Infinite Privilege card, but could not find COVID as a valid reason for trip cancellation.
2. If I purchase NCL insurance with my final payment, am I correct in understanding that the cost of the cruise is reimbursed if we have a positive test? Would quarantine costs also be covered for hotels, if needed?
This will be our first time cruising where I could be denied boarding for a reason outside of my control.
Thanks!