Quote:
Originally Posted by Barkriver
I had purchased a 7-day New England cruise through Norwegian Cruise Line, sailing on October 3, 2025 ....
I did not (and never have) purchase NCL's proprietary travel insurance.
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1. You should
ALWAYS buy travel insurance, not necessarily from the Cruise line, especially in more advance age.
Never mind cancelling due to a fall. My father had a catastrophic health issue while on the cruise. I would be much more poor today if we did not buy Travel insurance for him.
2. You can sell your Room / Reservation to another person. But, first check with the Cruise line - they allow to change names on a reservation up to a certain time before the cruise.
I did just that once in past, when I booked few rooms for us and friends, and one of our friends could not make it.
3. If you buy Travel insurance, you need to buy it WITH the reservation. Your fall happened after you purchased the cruise.
4. The real issue here is that, unfortunately, your fall happened
after the due date to pay the full amount due.
If your fall happened before that, you may lose only the deposit.
That said, the best time to buy Travel Insurance is before the full amount is due.
5. Travel insurance is not expensive.
6. The insurance you really need is not so much for cancellations or delays. It's more for medical issues, lost luggage, emergency evacuation, death, etc. This is way more costly than the cost of the trip.
All the best to you.