The Carnival Triumph incident has many factors that may affect coverage under a travel insurance policy and the correct answer depends upon the facts in each individual’s circumstance.
For those on board, trip cancellation and trip interruption would not apply since the cruise line has reimbursed its passengers for any pre-paid expenses in connection with the cruise. They have also refunded all pre-paid expenses for the future cruises that were cancelled. For those who have travel insurance and are considering cancellation of their cruise because they “fear” that an event such as the one on the Triumph might happen on their upcoming cruise is not eligible for coverage since “fear” is not a covered reason. Only those that have a “cancel for any reason” benefit might have an eligible trip cancellation claim.
For those onboard the Carnival Triumph, the following benefits may apply, depending upon each individual’s circumstances and whether they incurred any non-reimbursable out-of-pocket loss.
- Missed Connection
- Travel Delay
- Lost/Stolen or damaged Baggage
- Emergency Medical Expense
- Emergency Medical Evacuation/Repatriation
Each insured person should keep a record of their expenses incurred and all receipts related to those expenses. They should first present their claim(s) to the common carrier (Carnival) that caused the incident and if any airline or other travel tickets are involved, they should check with the transportation provider to determine that provider’s refund policy. If the insured traveler is out-of-pocket after claiming with the travel supplier involved, then they should present the outstanding claim to their travel insurance company.
iTravelInsured will consider transferring an existing insurance policy to a new travel date for those affected by Carnival’s cancellation of future Triumph cruises. Generally if travel dates are changed to a future date without penalties, then iTravelInsured will allow a 1-time transfer of the existing Certificate to the new future travel dates as long as:
- it is not past the original departure date, and
- a claim has not occurred, and
- the new departure date is within 3 months of the original departure date, and
- the request is received within 30 days of the Insured Traveler(s) being notified by the travel supplier.