Norwegian insurance question and FCCs and Cruise next?

[lt0826]

We are scheduled for a cruise leaving Sunday. My son now has a cough and no fever and is testing negative for COVID. But we don't know how this is going to develop. If we have the standard insurance and we cancel we are wondering what we're going to be entitled to because this is our third attempt at this cruise since COVID started and we have a combination of cruise next certificates which expire at the end of this year I believe and then we have FCC's which also expire. Does the insurance cover those and reimburse you for those or do you just get the FCCs and cruise next back and you have to use it by the time they expire?

 

Edited November 2, 2022 by lt0826

[BirdTravels]

NCL does not insure your trip. NCL purchases an insurance policy from Aon on your behalf.

 

If you are considering cancelling, it is very important that you know, today, what the insurance policy requires to substantiate the cancellation. It is more than a positive home test kit or "my kid was sick". You will need some sort of written proof of COVID or doctor's documentation that your son is unfit to cruise (often hard to get a doctor to put anything in writing). Read the policy. 

 

You need to cancel directly with NCL prior to the cruise. 

 

With a cancellation, NCL will automatically refund pre-paid expenses (shore ex, pre-paid service charges, internet, dining, spa), port taxes and fees. 

 

If you cancel, you will file a claim with Aon. After a [protracted] evaluation, Aon will either pay you (cash) for your cruise fare or deny your claim. Whether Aon pays the claim is totally dependent upon you providing the documentation required by the policy for a covered reason for cancellation. 

 

If Aon denies your claim, you can submit a request to NCL to provide you with 75% of your cancellation penalty as a new FCC. That FCC has to be used on a single future cruise (this is the way it used to work... not sure if they have relaxed the "use all" requirements for insurance FCC). 

Edited November 2, 2022 by BirdTravels