They missed their New Year’s Eve cruise by a whole year. Are they entitled to restitution?

Sara Zalkin planned a special New Year’s Eve celebration with her husband and 16 friends aboard the Carnival Conquest, and they booked through the travel agency Legendary Journeys. But when the group arrived to embark the ship, the Zalkins’ boarding passes were for a cruise departing Dec. 31, 2017, instead of Dec. 31, 2016, and Carnival would not allow them to board the ship.

How to get your policy to cover you — special circumstances and all

“I’m at a loss,” Bill Dunn wrote to me recently. “I’m looking for advice on how to appeal a decision against my travel insurance claim.”

The problem: Dunn had bought travel insurance for a recent trip to see his nephew get married. Six weeks before his departure, he lost his job.

What if your circumstances change during your trip?

I’m a scuba diver. An avid scuba diver.

But does my passion for being underwater line up with my travel insurance policy? Kind of. I have an annual policy through Allianz Travel Insurance. It covers scuba diving but it excludes “all extreme, high risk sports.”

What’s not covered by travel insurance?

If I’ve seen Claire Richardson’s question once, I’ve seen it a hundred times. Maybe even a thousand times.

“Before I purchase plane tickets, I need to know which company to buy insurance from,” she says. “Is there any other issue I should pay attention to?”

No cruise, no insurance and no refund? Not so fast!

Frank Pirri asked us for help with not one but two Princess World Cruises that he and his wife needed to cancel because of a sudden, serious medical diagnosis. But without travel insurance we thought that they would be out of luck. Happily, in this case, we were wrong.

But should you expect the same results? The short answer is no.

TAP won’t give me the time of day. Now I can’t file my insurance claim. Help!

When Chris Condon and his family had to cancel a planned trip to Portugal because their beloved family cat became gravely ill, they thought they’d be protected by their travel insurance that covered sick pets. They just needed a little help from the airline. Instead they got the runaround.

Help! AAA abandoned us at an airport in India

Kay Kindice and her daughter traveled to India for a wedding last summer, and after a series of events, they found themselves abandoned in a foreign country. Their story and its sort-of resolution underscore the importance of finding an agent you trust, not just someone who will find you the cheapest ticket.

We had “cancel-for-any-reason” insurance. So why won’t Holland America reimburse us?

When Donald Horger and his wife had to cancel their cruise, they filed a claim on their “cancel-for-any-reason” insurance policy with Holland America. But their claim was partially denied. The Horgers’ unfortunate story is a reminder to read the fine print in travel insurance contracts with extreme care, because canceling a cruise or other trip can result in severe financial losses, even with “cancel-for-any-reason” insurance coverage.

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