{"id":6819,"date":"2017-08-29T23:27:52","date_gmt":"2017-08-30T04:27:52","guid":{"rendered":"http:\/\/TripInsuranceStore.com\/blog\/?p=6819"},"modified":"2017-08-29T23:27:52","modified_gmt":"2017-08-30T04:27:52","slug":"booking-cruise-non-refundable-deposit-make-difference","status":"publish","type":"post","link":"https:\/\/tripinsurancestore.com\/blog\/booking-cruise-non-refundable-deposit-make-difference\/","title":{"rendered":"Does Booking a Cruise with a Non-Refundable Deposit Make a Difference?"},"content":{"rendered":"
Subscribe<\/a><\/span><\/div>\n

We are getting ready to book another cruise. Royal Caribbean now offers lower rates when booking a cruise with non-refundable deposit. Does trip insurance reimburse non-refundable deposits in the event we have to cancel? Non-refundable deposits also incur a fee if date of cruise is changed. Is that covered? Janet<\/em><\/p><\/blockquote>\n

Hi Janet,<\/p>\n

Those fees and penalties are only covered and reimbursable to you when filing a claim if you cancel your trip for a covered reason. They are not reimbursable to you if you voluntarily chose to cancel which is a not-covered reason. And, in case you are wondering, getting a plan with Cancel For Any Reason coverage would not be worth doing.<\/p>\n

This new rule regarding non-refundable deposits and other change fees that some cruise lines now have is causing one big and unexpected problem for anyone who books a cruise but is not 100% certain that they will take that sailing. A common practice is that a cruise is booked where someone wants the flexibility to switch to another sailing before their final payment is due.<\/p>\n

The problem in relation to having a travel insurance plan comes when someone buys a travel insurance plan with the potential idea of changing the policy dates to apply to a new trip should they decide not to take the original trip.<\/p>\n

The unexpected problem is that when the companies will not allow you to change your dates if you incur a financial loss.<\/p>\n

The solution is not as simple as cancelling the plan you bought, because if you are past the free look period (which is 10 \u2013 14 days, depending on the plan, after you buy a policy and 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.<\/p>\n

I cover this in more detail on my FAQs page at https:\/\/tripinsurancestore.com\/travel-insurance-frequently-asked-questions\/#z<\/a><\/p>\n

If there’s any chance that you will voluntarily choose not take the cruise, I see no benefit in the booking at the lower rate because you will forfeit the cost of the travel insurance policy due to being unable to switch its dates to a new trip.<\/p>\n","protected":false},"excerpt":{"rendered":"

Subscribe We are getting ready to book another cruise. Royal Caribbean now offers lower rates when booking a cruise with non-refundable deposit. Does trip insurance reimburse non-refundable deposits in the event we have to cancel? Non-refundable deposits also incur a fee if date of cruise is changed. Is that covered? Janet Hi Janet, Those fees […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-6819","post","type-post","status-publish","format-standard","hentry","category-ask-steve-dasseos"],"_links":{"self":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts\/6819","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/comments?post=6819"}],"version-history":[{"count":0,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/posts\/6819\/revisions"}],"wp:attachment":[{"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/media?parent=6819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/categories?post=6819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tripinsurancestore.com\/blog\/wp-json\/wp\/v2\/tags?post=6819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}