Princess Protection Cancel For Any Reason

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#21
COLORADO
59,527 Posts
Joined Jan 2004
Originally posted by Sea Hag
It's like Bill said. The cancel for any reason kicks in. The language on the travel insurance website is like this:

If your plan includes "Trip Cancellation/Trip Interruption" protection you may be entitled to reimbursement (up to the dollar limit specified in your plan) if you are prevented from taking or completing your trip due to a covered reason. Please refer to your plan description for further explanation.

In my case, a sick cat isn't a covered reason. But it's an "any reason" so Princess will give me a credit. Bill's "I changed my mind" is also an "any reason."

I didn't know it was looked at by the insurance co and Princess.
I always thought it was cancel for any reason and that was determined by the insurance co.

Guess I learned something today.
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Keith
Princess Elite Member
57 Princess Cruises



USNS HARKNESS T-AGS 32
#22
South Florida
4,560 Posts
Joined Apr 2011
Originally posted by Colo Cruiser
I didn't know it was looked at by the insurance co and Princess.
I always thought it was cancel for any reason and that was determined by the insurance co.

Guess I learned something today.
The cancel for any reason coverage is actually not part of the insurance policy but a "throw-in" from Princess for buying the Vacation Protection Plan. Once established that your reason for cancellation is not a covered one, Princess adds the FCC to your account with no reimbursement from the underwriter.

My only close in cancellation was 12 years ago: was supposed to cruise six weeks after Hurricane Wilma hit. Called Princess to cancel, was refunded 25% (was in that window by the time I had a chance to call) plus all Govt Fees & Taxes, received claim forms in mail. When I saw how much detail they wanted to consider "hurricane damage to home" as a covered reason, called back and said to just give me the FCC. The 75% was showing in my Circle account within the week.
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Debarking is a cruel procedure done to dogs.
Upgrades, Upsellls and Move Over Offers are completely different things.
As are being denied boarding and being disembarked early.
And don't get me started on Port Charges vs. Government Taxes, Fees, and Port Expenses.
The Jones Act is for cargo. The PVSA is "that terrible law" that restricts USA domestic sailings. But without which there would likely be no cruise ships with casinos, duty free shops, and international crew members willing to work fantastically hard every single day.
Lots of people fly in the morning of the cruise and catch crazy early flights home. Why ask us if you can? Just to be harassed by the regulars?
No hotels have free shuttles, free breakfast, free wifi, or free parking. You pay in the rate. And could have found a better deal paying by the piece.
And don't forget: the cruise line is in complete control of the weather, political unrest, medical emergencies, and anything else that delays or re-routes your cruise. Be sure to demand compensation as it is you and only you who were affected.
#23
Aliso Viejo, CA
41,861 Posts
Joined Jul 2001
Originally posted by fishywood
Don't mean to pry into personal details, but curious as to what :"covered reason" was used to obtain a refund from Princess insurance in this circumstance. Unless you meant to say that you received a credit under the CFAR clause rather than a monetary refund.
Sorry. You're absolutely correct. I got the refund from Princess according to the refund schedule and the insurance gave me a credit. I apologize for the incorrect information.
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#24
Zhengzhou, China
1,898 Posts
Joined Jul 2000
Originally posted by fishywood
The cancel for any reason coverage is actually not part of the insurance policy but a "throw-in" from Princess for buying the Vacation Protection Plan. Once established that your reason for cancellation is not a covered one, Princess adds the FCC to your account with no reimbursement from the underwriter.
Exactly... and when it happens, Princess probably loses nothing because:
- they have your money (you're not getting it back) and you will book another cruise;
- they can (in most cases) fill the vacated room;
- they have part of the premium you paid for the Platinum Vacation Protection - it's more expensive than 'regular' travel insurance (even if you were upgraded to 'Platinum' due to your Captains Going In Circles status).
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#25
South Florida
4,560 Posts
Joined Apr 2011
Originally posted by Pam in CA
Sorry. You're absolutely correct. I got the refund from Princess according to the refund schedule and the insurance gave me a credit. I apologize for the incorrect information.
No need to apologize. I realized after I asked that the likely reason your situation was able to be worked out was that the cancellation and subsequent re-booking were actually of two different voyage numbers--so no issue with any "new booking" restrictions or possible questions from the insurance department as to your claim. Good that you and/or your agent came up with such a plan..
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Debarking is a cruel procedure done to dogs.
Upgrades, Upsellls and Move Over Offers are completely different things.
As are being denied boarding and being disembarked early.
And don't get me started on Port Charges vs. Government Taxes, Fees, and Port Expenses.
The Jones Act is for cargo. The PVSA is "that terrible law" that restricts USA domestic sailings. But without which there would likely be no cruise ships with casinos, duty free shops, and international crew members willing to work fantastically hard every single day.
Lots of people fly in the morning of the cruise and catch crazy early flights home. Why ask us if you can? Just to be harassed by the regulars?
No hotels have free shuttles, free breakfast, free wifi, or free parking. You pay in the rate. And could have found a better deal paying by the piece.
And don't forget: the cruise line is in complete control of the weather, political unrest, medical emergencies, and anything else that delays or re-routes your cruise. Be sure to demand compensation as it is you and only you who were affected.
#26
COLORADO
59,527 Posts
Joined Jan 2004
So under any circumstances with Princess insurance it's always a credit back only?
No refund by check or to the CC?
Either 75% or 100% depending on Princess base insurance or Platinum?
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Keith
Princess Elite Member
57 Princess Cruises



USNS HARKNESS T-AGS 32
#27
Zhengzhou, China
1,898 Posts
Joined Jul 2000
Originally posted by Colo Cruiser
So under any circumstances with Princess insurance it's always a credit back only?
No refund by check or to the CC?
Either 75% or 100% depending on Princess base insurance or Platinum?
No. You will be refunded if you cancel for a covered reason. If you cancel for 'any reason' i.e. not a covered reason, you will receive a credit to your account (expires at the end of the following calendar year).
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#28
COLORADO
59,527 Posts
Joined Jan 2004
Originally posted by Bill B
No. You will be refunded if you cancel for a covered reason. If you cancel for 'any reason' i.e. not a covered reason, you will receive a credit to your account (expires at the end of the following calendar year).
Ok that answered my next question.

Refunded funds if for a covered reason. Is that 75%/90% or 100%?
I guess based on base Princess insurance or Platinum upgrade.
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Keith
Princess Elite Member
57 Princess Cruises



USNS HARKNESS T-AGS 32
#29
Zhengzhou, China
1,898 Posts
Joined Jul 2000
There are two grades of 'Vacation Protection':

- 'basic' (Princess Vacation Protection)
- 'platinum' (Princess Platinum Vacation Protection)

Both have "Any Reason" coverage and Princess will give a future cruise credit if you cancel at any time up until departure, for an uncovered reason:
- the 'basic' plan provides 75% of the non-refundable prepaid cruise vacation cost;
- the 'platinum' plan provides 100% of the non-refundable prepaid cruise vacation cost.

If you cancel for a covered reason as per the policy, the insurance co. will pay you the non-refundable (by Princess) cancellation fees.

If your Captain's Circle status is Platinum or Elite, you can buy the 'basic' plan, and Princess will upgrade you to the 'platinum' plan at no cost to you.
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#30
Northern California
3,153 Posts
Joined Sep 2006
All of what people said above and this one additional item. The credit to account that Princess gives is the basic cruise far portion. Princess gives an immediate credit for port charges and taxes, which was rolled over to the replacement cruise in my case. If you've purchased obc, that gets refunded to your credit card, and in my case this happened pretty much immediately as well. The credit showed up on my credit card the following day. I don't know for sure, but probably anything that you paid up front for (specialty restaurants, drink packages, etc.) would also be refunded to your credit card.
#31
COLORADO
59,527 Posts
Joined Jan 2004
Originally posted by Bill B
There are two grades of 'Vacation Protection':

- 'basic' (Princess Vacation Protection)
- 'platinum' (Princess Platinum Vacation Protection)

Both have "Any Reason" coverage and Princess will give a future cruise credit if you cancel at any time up until departure, for an uncovered reason:
- the 'basic' plan provides 75% of the non-refundable prepaid cruise vacation cost;
- the 'platinum' plan provides 100% of the non-refundable prepaid cruise vacation cost.

If you cancel for a covered reason as per the policy, the insurance co. will pay you the non-refundable (by Princess) cancellation fees.

If your Captain's Circle status is Platinum or Elite, you can buy the 'basic' plan, and Princess will upgrade you to the 'platinum' plan at no cost to you.

Thanks
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Keith
Princess Elite Member
57 Princess Cruises



USNS HARKNESS T-AGS 32
#32
208 Posts
Joined Jul 2009
Originally posted by Bill B
There are two grades of 'Vacation Protection':

- 'basic' (Princess Vacation Protection)
- 'platinum' (Princess Platinum Vacation Protection)

Both have "Any Reason" coverage and Princess will give a future cruise credit if you cancel at any time up until departure, for an uncovered reason:
- the 'basic' plan provides 75% of the non-refundable prepaid cruise vacation cost;
- the 'platinum' plan provides 100% of the non-refundable prepaid cruise vacation cost.

If you cancel for a covered reason as per the policy, the insurance co. will pay you the non-refundable (by Princess) cancellation fees.

If your Captain's Circle status is Platinum or Elite, you can buy the 'basic' plan, and Princess will upgrade you to the 'platinum' plan at no cost to you.
Just one correction.
Princess will upgrade you to the Platinum plan for free if you are Ruby status (4th thru 5th cruise). I think it is called Platinum because it was originally for Platinum cruisers, but when they inserted the Ruby status a few years back, they included this upgrade.

Princess Platinum Vacation Protection Upgrade^^
As a Ruby Member, when you purchase Princess Vacation Protection at the standard rate, Princess will purchase an upgrade to Princess Platinum Vacation Protection automatically on your behalf.


https://book.princess.com/captaincircle/membershipBenefits.page






#34
TX
171 Posts
Joined Apr 2012
Where in the terms for the cancel for any reason does it explain the expiration policy? It is not in the 12 page PDF I r grieved from the Princess website. Thank you.
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#35
Northern California
3,153 Posts
Joined Sep 2006
Originally posted by psujmatt
Where in the terms for the cancel for any reason does it explain the expiration policy? It is not in the 12 page PDF I r grieved from the Princess website. Thank you.
I don't know this either - I didn't see it but I assumed that the credit would have an expiration. In my experience, a credit to account like that usually does. Southwest Airlines, for instance, lets you cancel with no penalty. You get an account credit that expires on the date that you originally purchased your flight.

When I got the two pdfs, one for me and one for hubby, from Princess, they showed as future cruise credits with a "sail by" date of 12/31/18. That worked fine for me.
#36
League City, TX
40,048 Posts
Joined Sep 2005
Originally posted by Sea Hag
I don't know this either - I didn't see it but I assumed that the credit would have an expiration. In my experience, a credit to account like that usually does. Southwest Airlines, for instance, lets you cancel with no penalty. You get an account credit that expires on the date that you originally purchased your flight.

When I got the two pdfs, one for me and one for hubby, from Princess, they showed as future cruise credits with a "sail by" date of 12/31/18. That worked fine for me.
I assume you mean a year from the date you originally purchased the flight.
#37
613 Posts
Joined Apr 2005
I'm wondering if the replacement cruise booked with the credit from cancel-for-any-reason can be insured for cancellation. I know that third-party insurance does not recognize credits or gift cards as a form of payment eligible for reimbursement in case of cancellation.

You can still get coverage for medical/evacuation/travel related expenses, but I'm wondering what happens if you have to cancel the second cruise even if it is an otherwise covered reason. Does Princess Platinum allow for another credit or do you just lose the money?

Probably a remote possibility that anyone has to cancel two in a row, but it could happen. Anybody know how it works?