Question about Princess Cruise Insurance

[ready2cruzagain]

Looking at purchasing Princess Cruise insurance.  It is $400 for our cruise.  If our cruise is cancelled by the cruise line will we lose the $400? I have always bought insurance but thinking about cancelling the cruise because I only needed it for if we had to cancel. I would hate to pay $400 for insurance and the cruise line cancel the trip and us be out $400. 

[Babr]

Sometimes this board does not receive much traffic, so I’ll give you my best understanding of the situation until someone with direct experience comes along. This has not happened to me.

 

If the cruise line cancels the trip, you are entitled to a refund of the fare. People have reported that includes the cruise-line insurance as well.

 

On the other hand, if you buy insurance from a third-party, you may get a refund depending on the insurance laws of your state, or you can ask to have the policy applied to a subsequent cruise.

For a more definitive answer, you may have to call Princess.