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CoralReef

Transferred booking credit insurable?

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Hi and thanks for this forum 😀 We have used InsureMyTrip for many trips, and have always been pleased with the ease of use and the selection of policies.

 

Viking has just canceled my April 5 cruise. They kindly offered a $500 pp voucher plus a full refund of $4199 pp. And if we let them keep the cruise fare and transfer our booking to another cruise by March 9, they will throw in another $500 pp. We did have CFAR and will be making a claim for our air and hotel.

 

Correct me if I’m wrong, but I’m pretty sure that the value of the vouchers is not insurable (i.e., if we cancel the new cruise we lose them). My questions are two:

1. If we do transfer our booking, can we insure the $4199 pp under a new CFAR policy? We made the original payment back in October 2019.

2. If we transfer the booking, would we be eligible for the pre-existing condition waiver under a new policy? Normally PECs are only covered if you buy insurance within 10 days of making the first non-refundable payment. Would that date be the date we book the new cruise, or the date we originally paid (which is long past)?

 

Thanks for your insights!

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The lack of response leads me to believe that insurability is questionable. Guess we won’t be rebooking.

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Viking has just canceled my April 5 cruise. They kindly offered a $500 pp voucher plus a full refund of $4199 pp. And if we let them keep the cruise fare and transfer our booking to another cruise by March 9, they will throw in another $500 pp. We did have CFAR and will be making a claim for our air and hotel.  Very generous on Vikings part.  You should seek an air extension as most airlines are waiving change fees and seek hotel refund.  This way there is no claim and you can then move the dates on your existing policy out to cover the newly scheduled trip by March 9th.   That way you are not out anything.

 

Correct me if I’m wrong, but I’m pretty sure that the value of the vouchers is not insurable (i.e., if we cancel the new cruise we lose them). My questions are two:

1. If we do transfer our booking, can we insure the $4199 pp under a new CFAR policy? We made the original payment back in October 2019. The day that the new travel dates of travel are confirmed would be day one as far as the Pre-ex window is concerned if you had to purchase a new policy.

2. If we transfer the booking, would we be eligible for the pre-existing condition waiver under a new policy? YES if policy is purchased within 14 days of the new dates being set and the other requirements being met.   Normally PECs are only covered if you buy insurance within 10 days of making the first non-refundable payment. Would that date be the date we book the new cruise YES, or the date we originally paid (which is long past)?

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