I posted the following in the insurance forum with little response and was hoping I could receive input here from some of the seasoned travelers.
We are booking an NCL cruise for my wife and I December 30th. It’s possible my wife will not be able to go due to a work commitment. I would like to go either way. The cost is $3000 or so for both of us and $2,600 for me if booked as a solo. (Balcony room only) Can we get insurance to cover her $1500 in case of cancellation for any reason? If so, how much would it cost and approximately how much would she get back? We are wondering, for example, would the refund ($1500?) less the extra paid for two travelers ($400) less the insurance cost ($200?) net a positive of $900 +/- that would bring the $2600 solo cost down to $1700 or so? I’m plugging numbers for the example.
Also, what does this do to my reservation with NCL? I assume NCL won’t refund her reservation after lock in period.. We have paid for two people but I will travel solo. Can I? Do I have to pay for both drink package gratuities and room gratuities even if she does not come? I can’t imagine this hasn’t happened in the past to someone else.
I know this is a handful so I am thanking in advance!