Does a sudden serious illness and no trip insurance equal a missed honeymoon?


This unfortunate couple had to cancel their wedding when the fiancé became seriously ill. Then when they tried to postpone their honeymoon cruise, things got even worse.

Question: We booked a cruise for our honeymoon with Norwegian Cruise Line. My fiancé just ended up in the hospital with a severe infection that resulted in amputation. We had to cancel our wedding, and at this time we can no longer take the cruise, under orders from his surgeon.

When we first found out what was going on we called Costco travel, who we booked through, and they suggested buying travel insurance that day, which I did, in the event we needed to cancel. But with the travel insurance his amputation is considered a pre-existing condition since he had an infection before we bought the insurance.

We called Norwegian to see if there was anything we could do — change the name or give the cruise away, postpone our departure date until he was healed, get a cruise credit, anything. They would not work with us — any of those things would result in 100 percent cancellation fee. We cancelled within the 75 percent window, at 31 days, therefore will only be reimbursed 25 percent on a several thousand dollar cruise.

We want to go on the cruise when he is healed. We do not want any money back, we just want to take our cruise as we have already had enough devastation and loss up to this point. We would like them to allow us to change the departure date (we would even be willing to pay a fee- although not 100 percent) or just get a cruise credit for a later date. Can you help? —Alyssa Still, Albuquerque, N.M.

Answer: As if having to cancel your wedding wasn’t tragic enough, being told you’re also going to lose most of the money you invested in your planned honeymoon makes this even more heart-wrenching.

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A cruise is one of the most popular honeymoon options for newlyweds, and one that often represents a major expense. Which is why travel insurance exists. When we’re planning something fun, like a vacation or a honeymoon, we don’t like to think about the things that might go wrong. But your case illustrates how sometimes things can, and do, go wrong.

Unfortunately, you waited to buy your insurance until the health issue had already emerged. And the odds of a policy helping at that point are slim. Travel insurance plans generally have an automatic exclusion for pre-existing conditions, but some do offer a waiver if you’ve been “medically stable” for a specific period of time prior to purchasing the policy. It’s unlikely your fiancé’s infection would have met that criterion.

There’s a world of information on the do and don’ts of buying travel insurance at our advocacy website, including this useful article.

You mentioned in your correspondence with us that your phone calls to NCL weren’t helpful and that you’d had difficulty finding a way to reach them by email. Our advocacy site also includes information on how to contact them electronically.

We reached out to the cruise line on your behalf and are happy to report that it has offered to make an exception given the extraordinary circumstances in your case.

After learning of the circumstances regarding the cancellation of your cruise, as a gesture of goodwill, we have made a very rare exception to our policy and have issued you a future cruise credit representing the 75 percent in cancellation fees that were assessed, the same amount that would have been covered under our “Cancel for any Reason” travel protection policy.

Here’s to a speedy recovery for your fiancé, and a to lovely upcoming wedding, followed by a memorable honeymoon cruise.

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Dale Irvin

Dale Irvin is a semi-retired writer and editor, now living in south Florida after three years roaming around North America in an RV. You can read about those adventures at fabulousfifthwheel.com.

  • Lindabator

    Very cool of them

  • Annie M

    See how well Costco agents know what they are doing? They NEVER should have told you to buy insurance at that time! They should have known about the pre.ex. condition.

  • Carrie Livingston

    Even if she only buy’s NCL’s policy, which is about $100/person for a typical 7-day cruise, she be better than with nothing. Hopefully another convert. If you can’t stand to lose the money, get insurance. Life happens, accidents happen!

  • AMA

    Very nice of the cruise line, but totally the fault of the OP for not buying insurance at the time. Never pay more for a vacation than you can stand to lose. Tragic circumstances hit from nowhere.

  • Mel65

    I can’t even be snarky here. Glad it worked out for them.

  • ArizonaRoadWarrior

    I totally agree with you about the Costco agents. If Costco was selling homeowner insurance, they will probably will recommend people to purchase homeowner insurance only when their house is on fire!

  • Noah Kimmel

    especially on something as big as a honeymoon trip!

  • Annie M

    We tell clients if you can’t afford to lose everything you’ve paid for your trip if you can’t go- you need travel insurance.

    If you take the gamble nothing will happen- don’t come here crying when you lose the bet. Suck it up, buttercup.

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