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We recently moved a cruise from 10/20/19 to 12/28/19 due to my partners recurrence of cancer. We started his treatments immediately.  The original cruise was booked during his stable remission period, so it would not be considered a pre existing condition. However, we moved it during the look back period.  We are hoping to still go, but if something happens, is there anyway to cover this trip as it was moved during the look back period. My chase sapphire card would have covered it if we cancelled it during the initial re diagnosis by the doctor. We can try to move it later, as the cruise line was able to do so before. We just had to find another cruise with in the final penalty. However, I am not sure they will do it twice.

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I hope your partner quickly recovers from their cancer.

 

The situation you are in might seem to be a gray area for travel insurance coverage, but there are very few gray areas in travel insurance coverage because the contracts are very detailed.

 

Trip Cancellation coverage is just that: cancelling your entire trip for a covered reason. However, you didn't cancel your trip. Instead, the dates were changed when you were in the penalty period.

 

You didn't say what advice Chase gave you when you were considering making this change, but I would go back to Chase and ask them why they they advised you to do something that may have resulted in you losing your coverage.

 

You also might still be able to cancel your cruise and be covered by Chase's plan.

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Hi Steve

If one wants to move the date of their cruise for a couple of weeks later is this considered a "cancellation" if requested in the 120 period. Or, is it considered a voyage to voyage change.

 

Under what conditions can a customer wishing to change the date, not cancel it whatsoever, does the cancel for any reason get triggered whereby the cruise line gets full reimbursement for the cruise with the express knowledge that there will be no financial loss for them because the date was changed and not cancelled?

 

Westport, I wish you and your partner a favourable result from the treatments that result in a remission.

 

Thanks Steve

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12 hours ago, Genoabay said:

Hi Steve

If one wants to move the date of their cruise for a couple of weeks later is this considered a "cancellation" if requested in the 120 period. Or, is it considered a voyage to voyage change.

 

Under what conditions can a customer wishing to change the date, not cancel it whatsoever, does the cancel for any reason get triggered whereby the cruise line gets full reimbursement for the cruise with the express knowledge that there will be no financial loss for them because the date was changed and not cancelled?

 

Westport, I wish you and your partner a favourable result from the treatments that result in a remission.

 

Thanks Steve

Hi Genoabay,

 

Will you ask me the "cancel for any reason" a diiferent way because I can't grasp exactly what you are asking?

 

Also, I'm not sure what you mean by "the 120 period", but the only time a person is able to change the travel dates on some (though not all) Trip Cancellation plans is if they do not incur any financial penalty in canceling the original trip.

 

On my FAQs page, I have this:

 

" Q. Can I change my travel dates if my trip changes?

A. Yes, you can change your travel dates if your trip changes and you do not incur any penalty or financial loss when cancelling your original trip. This can be tricky because some travel agents charge fees, airlines will and also some cruise lines do, too.

 

Something that is similar to this, but is not the same situation, happens when you choose not to take your trip before you buy airfare or when you are outside the penalty period. To you it might seem like cancelling a trip before the penalty period relieves the travel insurance company of any future risk, but this is not the case. If you are past the free look period (10 – 14 days, depending on the plan, after you buy a policy and you can cancel the policy for a full refund), you cannot get a refund on the travel insurance policy because you choose not to take your trip.

 

Here are your options:

  • If you want to lower your insured trip cost, because your trip cost was lower than you expected, you have to contact the insurance company directly yourself. Your travel insurance plan is a legal contract and, as such, the insurance company needs to receive the changes from you. In addition, your credit card will be credited the refunded amount and we don’t save your credit card information.
  • If you want to change your travel insurance policy’s travel dates you also have to contact the insurance company directly yourself. The reason is the same: your travel insurance plan is a legal contract and, as such, the insurance company needs to receive the changes from you. If you bought your policy from us, call us before you make any changes to your trip so we can tell you what to expect and give you important tips because each company has its own procedures.

If you are thinking about changing your dates, call us first since this can be tricky and we want to make sure you do it correctly. "

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