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MadManOfBethesda

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Everything posted by MadManOfBethesda

  1. I agree and that's why I've carried my card for 41 years. BTW, for anyone who has an AmEx Platinum Card (or has been thinking of getting one), AmEx just added a couple of new benefits for the remainder of the year. They are providing up to a $20 statement credit per month for most streaming services as well as a $20 statement credit per month for wireless telephone services billed directly from U.S. carriers. I guess they're doing this since we don't have any opportunity to use most of the travel-related benefits at the present time. That alone comes close to paying the pro-rated monthly cost of the annual fee.
  2. That's complete and utter nonsense. You are making things up out of whole cloth and talking (or writing as the case may be) out of the wrong orifice.
  3. It's not the "Florida" Coast Guard, it's the United States Coast Guard. Since the United States Coast Guard made the decision with which you disagree, are you suggesting that HAL should home port outside of the U.S.?
  4. QFT I have found both IRL and online, there is an inverse relationship between IQ and those using the term fake news.
  5. Assuming you're in the U.S., the answer is yes. I don't know the credit card laws in other countries, but in the U.S. you won't have a problem. And I speak from experience; I had a fully-paid-for cruise booked with Renaissance when they folded shortly after 9/11. My money was promptly returned to me by AmEx shortly after I notified them of the situation.
  6. What exactly did you find misleading? I'm not a fan of Fox Business (or Fox in general), but that article seemed pretty fact-based to me.
  7. Important Update: This is the third thread created to announce this "important update." You may want to heed the words at the top of the page next time: Please look for and post on existing COVID-19 threads before posting a new one.
  8. LOL. No, you can't. And it's laughable that you think that filing such a dispute would be a false claim.
  9. LOL If you paid for a cruise and the company has stated that the cruise has been cancelled, then you are entitled to a refund of the amount you paid the credit card company. I find it humorous that you seem to be having difficulty comprehending that simple concept. And when you dispute a charge under the FCBA, a temporary credit in the amount of the charge is granted AUTOMATICALLY. The credit card company then is required to investigate the dispute and will ask the merchant for its side of the dispute. NCL will eventually get around to processing the requisite refund paperwork in its own good time and then the credit card company will change the "temporary" credit into a permanent chargeback; but in the interim, the OP will already have his money.
  10. Fair Credit Billing Act of 1974. If you order and pay for a product or service by credit card and it isn't provided, you're entitled to your money back.
  11. That's absolutely correct. No, em-sk is correct, and I have personal experience to back it up. I had a fully-paid-for cruise booked on Renaissance when they went under shortly after 9/11. At first, I thought I would have to put in a claim with my insurance company to get my money back, but it was refunded directly by American Express for the exact reason noted by em-sk.
  12. On what basis? You cancelled your cruise and accepted their offer of an FCC for doing so. Just because you are now unhappy with that decision doesn't mean that the cruise line violated the terms of their contract with you. The fact that they are offering cash refunds to people who didn't cancel has no effect on their contractual relationship with you. Now, don't get me wrong; I think that the cruise line as a matter of good public relations and good business practices should provide refunds to everyone who was booked on the cancelled cruises. But they have no legal imperative to do so and the credit card company would have no justification for ruling in your favor and clawing back the money.
  13. I seriously doubt that the cruise lines are going to go out of business. If they end up filing for bankruptcy, it will be under Chapter 11, not Chapter 7. Stockholders will most likely be wiped out, but I doubt that they'd do anything to hurt customers, such as wiping out FCC. That would actually be counterproductive. For comparison purposes, I would look to what's happened in the past when airlines filed for bankruptcy under Chapter 11. Although not an exact comparison, frequent flyer miles remained intact.
  14. I seriously doubt that the cruise lines are going to go out of business. If they end up filing for bankruptcy, it will be under Chapter 11, not Chapter 7. Stockholders will most likely be wiped out, but I doubt that they'd do anything to hurt customers, such as wiping out FCC. For comparison purposes, I would look to what's happened in the past when airlines filed for bankruptcy under Chapter 11. Although not an exact comparison, frequent flyer miles remained intact.
  15. I, too, had Allianz and they refunded my policy premium when my NCL cruise was cancelled last month. That was a nice ~$500 bonus that I wasn't expecting to receive. Not only was this was not something they had to do, I doubt people would have been angry at them if they hadn't refunded the money. Hell, if they only offered a credit to be used on a future policy, I would have considered that to be generous of them under the circumstances! I never paid much attention in the past to which company I purchased my insurance from, but I will definitely be using Allianz 100% of the time going forward. Their refund policy is a great way for them to build customer loyalty.
  16. We did the Jewel of the Seas cruise the week before OP and had a much easier time of it due to our departure and arrival times both being in the evening. We left Miami at 8pm on a Thursday and arrived in Dubai at 7:20pm on Friday evening after our 14-hour nonstop flight. We zipped through the airport thanks to the Marhaba meet-and-greet service, checked into our hotel at the marina, had a nice dinner, went to sleep later that evening, and then woke refreshed in the morning and ready for a day of sightseeing. This was the first time we've taken an long international flight and arrived at our destination in the evening local time rather than in the morning. This worked out much better for us and we didn't seem to incur any of the usual effects of jet lag .
  17. That's a special situation and I think you were fortunate to get your money back. Most, if not all, insurance policies specifically exclude wars and terrorism from their coverage provisions. I am not a cheerleader for insurance companies in general, but I believe that you are criticizing them unfairly based on your unique one-time experience of being caught up in a war zone.
  18. That's not what the U.S. law is in civil matters. It is based on a preponderance of the evidence. In other words, if something alleged is more likely than not (>50%) to have occurred, than that party prevails.
  19. That wasn't my experience a few weeks ago. I had used United FF miles to book flights with Lufthansa & Singapore Air from MIA-->SIN, and then with Swiss Air for DXB-->MIA for an NCL 20-night cruise from Singapore to Dubai. However, when NCL cancelled the cruise on Feb. 19th, 2 days before I was scheduled to fly to Singapore, I called United and they waived the fees to redeposit the miles. These were actually two separate one-way tickets that I had purchased and the agent said right away that the MIA-SIN fee would be waived since it was a flight to Asia, but then he had to check with a supervisor to see if the fee for the DXB-->MIA ticket could be waived. He put me on hold for about 2 minutes and then came back on and told me the fee would be waived as an exception. Moreover, United refunded the $186 ($93pp) I paid in addition to the miles when I bought the tickets. My only out-of-pocket expenses for the since-cancelled flights were the $320 I paid directly to Swiss Air for seat purchases. Swiss Air would not waive those charges, but NCL reimbursed me in full under their policy to cover up to $300pp in airline "change" fees. I subsequently decided to fly directly to Dubai for a substitute cruise and hotel stay, and booked nonstop r/t tickets on Emirates using cash. I have not rebooked anything with United using those redeposited FF miles.
  20. You've written that on separate threads now, but that has not been my experience. I had to cancel a cruise once a couple of weeks before departure for medical reasons and I had absolutely no difficulty getting 100% of my money returned to me. I believe that the company was Travel Guard, but I'm not completely sure. All I had to do was fill out a form and have my doctor submit supporting documentation. Easy Peasy. But more importantly, and more on point with this thread, the OP most likely wouldn't even need to deal with an insurance company. As I responded to you on another thread when you posted about Renaissance going out of business, I had a fully-paid-for cruise booked on Ren when they went under and I received 100% of my money from my credit card company (AmEx). And that had nothing to do with trip insurance; that was simply the credit card company doing a chargeback because I had not received the "services" or product that I had contracted for from Ren.
  21. Not only do I remember Renaissance, I had a fully-paid-for cruise booked with them when they went under. I paid for my cruise with a credit card and received all my money back in short order from American Express. Moreover, even if I had paid by check or some other means, Ren's bankruptcy would have been covered by my travel insurance policy.
  22. No, it's not. You need to look up the definition of discrimination. If they banned all 70+ year olds, without regard to any other characteristic or qualification, that would be discrimination. Simply asking for medical certification that people over 70 are healthy, is not. Plain and simple.
  23. Of course it doesn't. That's why the cruise lines are permitting all healthy 70+ year old people to continue to travel. So where's the discrimination? And if you're doctor agrees, he'll still be allowed to cruise. So what's the issue?
  24. Well, if you haven't recovered and you haven't died, it seems pretty obvious that the remainder are still sick.
  25. LOL You don't really believe that Princess (or any of the other cruise lines) implementing this policy had anything whatsoever to do with trying to do the right thing for their customers, do you? They just made a business decision knowing full well that if they didn't liberalize their cancellation policy, most of their future bookings would simply dry up. Their customers' financial well-being was not a consideration at all.
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