Help! My American Cruise Lines protection plan isn’t protecting me

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By Christopher Elliott

Edward Marks buys a “cancel for any reason” American Cruise Lines protection plan for his cruise. But when he has to cancel, he finds that it’s worthless. What went wrong?

Question

My American Cruise Lines cruise from Memphis to New Orleans for medical reasons.

I called American Cruise Lines and inquired about rebooking for a cruise this fall using my cancellation credits. I had paid $570 for a “cancel for any reason” protection plan.

A representative informed me that I only had $350 in credit instead of the 80 percent of the original fare of $5,745. When I asked for an explanation, referring to the “cancel for any reason” protection plan, he said that I had canceled less than nine days before the start of my cruise. That’s not true. I canceled a day before the deadline.

I hoped that upon investigation, American Cruise Lines would find that it made a mistake and decide to take a more responsible attitude. But it hasn’t. Can you help? — Edward Marks, Washington, D.C.

Answer

Your “cancel for any reason” travel protection should have covered your cancellation. But the American Cruise Lines protection plan comes with some important restrictions. First, it’s not insurance but “protection.” You’re paying $570 for more lenient cancellation terms. And those terms state that you must cancel nine days or more before the start of your cruise package to receive an 80 percent cruise credit. A standard cancel for any reason insurance policy would let you cancel within less time — usually 48 hours before your trip — and receive a 50 to 75 percent refund.

Travel insurance is something worth considering for any cruise. Cruise lines do not always do enough to protect you. Cruises can be expensive, and a lot can go wrong. (Believe me, I know.) But you have to shop carefully. Never take the first travel insurance or “protection” policy that someone offers. Talk to your travel advisor or spend a little time researching travel insurance options online. Based on the reviews I’ve seen, the protection you had was a little pricey and had some significant limitations. You might have found something better elsewhere. (Related: Is there a cure for the upselling epidemic?)

You canceled your cruise on the ninth day before departure, so the cruise line should have honored your claim. Instead, it apparently considers day nine to be past your deadline. Technically, that would have been nine calendar days before you checked into your hotel in Memphis, which is the start of your trip. (Related: Banned by their cruise line because of CBD candies. But you’ll never guess what happened next.)

Faye Travel Insurance provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter, faster, smoother assistance and claims resolutions. Our robust travel insurance covers your health, your trip, your stuff, and even your pet, via an app that provides real-time proactive solutions, quick reimbursements and 24/7 support from anywhere in the world. Wherever you go, we’re there too, taking care of the details so you can make the most of each moment, with the only travel protection that is by your side and on your side every step of the way.

You could have appealed this to an executive at the cruise line. I list the names, numbers and email addresses of the American Cruise Lines executives on my consumer advocacy site, Elliott.org. I also publish a few helpful tips on how you can negotiate a refund.

American Cruise Lines should review your case one more time. Losing $4,596 over a few hours and on a technicality seems wrong. 

Will she get a refund from her American Cruise Lines protection plan?

I contacted American Cruise Lines on your behalf. It agreed. A representative contacted you and said the cruise line restored the 80 percent you should have received under your protection plan.

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Christopher Elliott

Christopher Elliott is the founder of Elliott Advocacy, a 501(c)(3) nonprofit organization that empowers consumers to solve their problems and helps those who can't. He's the author of numerous books on consumer advocacy and writes three nationally syndicated columns. He also publishes the Elliott Report, a news site for consumers, and Elliott Confidential, a critically acclaimed newsletter about customer service. If you have a consumer problem you can't solve, contact him directly through his advocacy website. You can also follow him on X, Facebook, and LinkedIn, or sign up for his daily newsletter.

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