falken

As someone else pointed out to sell that space and get re-imbursed by insurance is fraud. To add a third person just to have them pay a lesser rate, is also fraud. (I am not talking the case of adding a 3rd person because there would be 3 people in the cabin but to add when you know that one person is going to get his insurance .)How can people think of these things? How were these people brought up? Did they ever hear of being honest? It appears to me that morality is going downhill fast.

 

I know I will get flamed. OP I am not referring to you as being dishonest. Just the one suggesting the fraud.

Yes, it would legally be fraud. I would not say that someone saying that it COULD be done is of low moral standing. If you were to not add the 3rd pax and just go alone the insurance company would be out the same amount of money.

Ever win ANY money gambling and not report it to the IRS? How about purchase something out of state on the internet and not pay the sales tax on your states income tax return (check the form, most states require you to pay sales tax on out of state purchases where you did not pay income tax already). That is all tax evasion and fraud. I'm sure if you think long and hard you have done things of low morality to benefit yourself. If not, kudos to you.

you could try to add a 3rd person to your cabin, this way the original person who cannot go will be able to legally get the refund from the insurance company, and your friend who can go will have a discounted cruise and you wont be sailing alone (unless thats what you like to do)

This would be a good idea if your cabin can support a 3rd passenger.

Example:

Passenger 1 (you): $2000

Passenger 2 (person who can not go): $2000

Passenger 3 (replacement person): $350

Passenger 2 who can not go claims cruise insurance and gets the $2000 back, pax 3 only has to pay the 3rd person rate.

Keep in mind, this could border on insurance fraud if you had no intention of taking the 3rd person before you found out that the second pax could not go and would be claiming travel insurance.

So if the order of events was, "Jane should go with us, that would be great! .... oh uh, you're sick and can not go now, how SAD." you are fine and in the clear.

If instead it was, "uh oh, you're sick and can not go now.... wait! I'll add Jane as a 3rd person, you get your money back, and it makes the cruise cheaper!" then that is insurance fraud.