Travel insurance providers often release position statements to identify how coverage applies to current events. John Hancock Insurance Agency, Inc. has provided the following statement on the Carnival Triumph disaster:
It appears Carnival is providing a complete refund to all guests of the Feb. 7th Carnival Triumph voyage, including cruise costs and transportation expenses. In the event a passenger is not completely reimbursed by the cruise line for all related expenses and is insured under a John Hancock Insurance Agency Inc. Gold, Silver or Bronze policy, an insured can submit a claim for consideration under the following benefits:
Delayed arrival at Destination due to any of the unforeseen events covered under Trip Delay which causes the insured to lose 50% or more of the scheduled Covered Trip.
Destination accommodations being made uninhabitable during the Covered Trip by fire.
The All Events Upgrade and as a result of the event are unable to continue traveling. The insurance policy must have been purchased within 21 days of initial deposit.
Trip Delay Coverage
Delay of 5 or more hours duration occurring on or after the insured’s Scheduled Departure Date as a result of one of the following unforeseen events:
Delay of the Common Carrier upon which the insured is traveling
Baggage & Personal Effects
Reimbursement up to the Maximum Benefit Amount for any Baggage and Personal Effects, passport or visas that are lost, stolen or damaged during the insured’s Covered Trip.
Please note that the above-noted coverage is subject to the terms and conditions of the policy and Maximum Benefit Amounts.