I’m sorry you were injured and in able to go on the cruise. But unfortunately NCL or any cruise line pretty much have the same cancellation terms and conditions. This is clearly written on the confirmation.
NCL does not own the Travel Protection company, the company is AON, which is separate and NCL Partners with them for the convenience. Are they paid a commission?, of course. There are also many other Travel Protection companies available for this exact reason. The cruise lines policies are very clear and your Travel Agent should have discussed this with you and advised the importance of travel protection, because you just never know. The annual policies are great, while limited they are a very good option for healthy frequent travelers.
Again, I’m sorry you fell and were hurt, but in this situation, NCL did nothing wrong per their policy and terms and conditions.
Personally, in this situation, I would have advised not to cancel, because there could possibly be a chance you could go on the cruise with a month of healing. (Sorry I don’t understand the severity of the injury) but even in a wheelchair a person could enjoy the non refundable cruise. cruise with no insurance purchased.
My advice would be next time, use a good Travel Agent who can advise and help when booking your cruise. They do not cost any money, but they offer a service that is invaluable. They are paid by the cruise line but have your best interest in mind and will still get you the great deals and discounts you get from booking directly and sometimes a little more.
I hope you heal quickly and are able to travel again in the near future.
Yes, I am a Travel Agent. It breaks my heart to hear situations like this, when there are so many options available to avoid losing money when situations happen and they often do unfortunately. This is why I always advise my clients to purchase some type of Travel Protection. It’s peace of mind.
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