[jimkerr]

Originally Posted by Barkriver

I had purchased a 7-day New England cruise through Norwegian Cruise Line, sailing on October 3, 2025. My husband and I were to join my sister, brother, and his wife.

I did not (and never have) purchase NCL's proprietary travel insurance. The concept of paying protection money to a company for a service they own has always left a bad taste in my mouth.

Then you risk losing your money like you did. You were stubborn and now have to face the consequences.

On August 29, I slipped in the rain and fell in a parking lot. I broke my hip and fractured my pelvis. (Thank you to all the compassionate strangers who assisted me that afternoon and saw me safely into an ambulance.) ❤️

This is a perfect example as
To why you buy trip insurance!

My complaint is with NCL. I contacted them as soon as I returned home to let them know I needed to cancel our reservation. I immediately learned NCL would not be refunding the $8800 deposit we paid for the cruise.

Correct. It’s in their contract with you, which you agreed to

I'm going to make a long story short(er). NCL fully intends to keep my paid deposit of $8,800 despite my having provided complete medical documentation.

This is standard practice. Again, you should have bought trip insurance which you already know.

My beef is that it is unethical to coerce passengers to either buy NCL travel insurance, or face financial hardship upon cancellation for legitimate, unavoidable, (particularly medical) circumstances. Talk about a conflict of interest.

You also have the choice to not spend your money with them.

Now, I have no illusions regarding the readership of TOTV. I know that many of you believe that my husband and I got what we deserved - after all, isn't that what insurance is for? Shame on us. Definitely our bad. And I would agree with you if our cancellation had been for a frivolous or inconsequential reason. But it wasn't. We fully intended to sail. Time is short and this was a wonderfully anticipated adventure with family.

Just consider this a cautionary tale.

Hard lesson learned.