Posted June 21st, 2013, 10:59 AM
I think you need to read your insurance policy very closely. You mentioned specifically medical coverage. Extra medical insurance tends to cover if something happens while you are on the cruise. Like a trip to the hospital while in port.
If it doesn't have cancel for any reason for all members of your party then you will not get refunded. You would basically be a no show.
I'm sorry, but the statement bolded above is not correct.
To the OP, please contact your insurance carrier immediately, and explain your current circumstances. They will advise you whether or not you are covered for that specific circumstance (chances are that you ARE covered). The carrier will give you a list of what they require as substantiation of your claim, at which point you can request the necessary documentation from the attending physician.
I have sadly had to cancel a cruise just two days prior to sailing, as a result of the imminent death of a family member. When I called the carrier they were both compassionate and helpful, walking me through precisely what to do and how to do it. Hopefully your experience will be the same.
Here's wishing a speedy recovery to the affected family member, a swift resolution to your claim, and a prompt rescheduling of your missed cruise.