Refund/Future Cruise?

[junglecat]

Well it looks like we are going to be cancelled, no surprise here (Valor-September 12-NOLA).  Here are my questions.

 

1.  If we choose a future cruise and allow Carnival to keep our money do we have to make a cruise decision now?  Can they just hold our funds until things settle down?  I ask as I usually do a lot of research into a cruise and I don't want the pressure of having to make a decision on short notice.  Could they also just issue a gift card?

2.  If we choose a refund, I realize it will take weeks/months, but will it be dollar for dollar and will it be a credit to our credit card?  

3.  We bought insurance through another vendor.  We bought cancelled for any reason.  Do we make a claim once we've heard from Carnival directly?  If we are getting a refund/future cruise there is nothing to come to us for the cruise.  Southwest will also allow you up to 1 year to fly so we'd loose nothing with the airline as well.  We've cruised for years, always bought the insurance but never had to make a claim so this is all new to me.  

 

 

My guess is if we choose a refund it will go back onto our credit card as I made a major payment error months ago and paid it off by accident.  Of course this was early/mid March when I made the error.  I had to wait about 3 1/2  months before my credit card was refunded due to the virus.  

 

 

 

This makes me very sad but I'd rather they all be safe than sorry and get us onboard and another surge hit.

 

Thanks all who reply.