You’ve seen the ads in the fancy travel magazines or perhaps you received a mailing or even a phone call encouraging you to choose a cruise line because it’s offering free airfare. Is that free airfare for your cruise really free? Maybe not.
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Erin and Sean Spital last saw their luggage after checking in at New York’s JFK airport, shortly before they boarded their flight to Barcelona on Iberia Airlines. The couple waited until the last bags made their rounds on the luggage carousel, their bags never arrived. Left with only the clothes on their backs, and with their 7-day Norwegian Cruise Line cruise about to depart, the Spitals did the only thing they could do: They filed a claim with Iberia and went out to buy new clothes.

Naked truth

Lost airline luggage — it’s a problem all cruise lines are dealing with more often these days, especially on European cruises. I’ve been on a number of Mediterranean cruises where dozens of passenger’s bags never made it to the ships for embarkation. Most bags turn up during various ports of call, but not all of them make it. Like the Spitals, their owners just had to make do.

“Many people don’t realize it, but most cruise ships have a small supply of clothing on board that guests can borrow, and there is even formal attire for men and women to rent,” says John Heald, Carnival Cruise Lines senior cruise director. These reserves can usually tide people over, but sometimes passengers become desperate because their bags are truly lost and they can’t find replacement clothes in the ship’s supply or even in port. On those occasions, Heald puts in a “shout out” request for clothes during his live “Morning Show” on the shipboard TV. He once put out a call for a pair of extra-large women’s underwear, and got back seven pairs from sympathetic passengers. “Cruising can really bring the best out in people,” Heald says.

The Spitals received help from their cruise line, too. As Heald duly noted sometimes the best in people does come out. For Sean Spital, who is well over six feet tall, finding clothes was difficult. Thankfully a sympathetic Norwegian crew member of the same height was kind enough to loan some pants during the sailing. The cruise line also helped Erin Spital with clothing and arranged for the couple to keep in constant contact with Iberia. Despite all the help, the Spitals racked up a substantial credit card bill at various ports buying new clothes.

Sadly, the Spitals bags never showed up during their week-long cruise. “We paid more than 400 euros for basics like underwear, shoes, tops, and since it was December some sweaters,” Erin says. The Spitals kept their receipts and filed a claim with Iberia for the cost of their replacement clothing, which came to almost $1,500.

After returning from their cruise, Sean Spital kept calling Iberia daily to find out where their luggage was. Unfortunately, communication was difficult due to language barriers and changing stories. “They didn’t have updated information on the bags or their system was down. Sometimes I just couldn’t understand them and they couldn’t understand me.”

They were told due to the heavy snow storms in Europe and the U.S. in December many bags became displaced. Three weeks after they returned home the Spitals received one bag, which had been pilfered of many items including an expensive shaver, Gucci loafers, and cashmere sweaters. The airline has yet to find the other bag.

Bags of shame

Unfortunately for the Spitals Iberia is ranked the worst airline in Europe for lost luggage. A report in the London Telegraph stated the Spanish carrier lost 19.2 bags for every 1,000 people who boarded its planes during the winter months. Additionally, the carrier was ranked the worst performer in a survey carried out by the Association of European Airlines.

According to the U.S. Department of Transportation, your luggage has a fairly good chance of taking a different trip than you do. The department’s latest Air Travel Consumer Report shows 155,224 reports of “mishandled” bags in February this year, up from 136,066 in February 2009. While the numbers are still high the airlines have improved their baggage handling within the past two years as the number of mishandled baggage claims has declined.

Airlines do their best to find your luggage before declaring it lost. On average, it takes more than a week; in difficult cases, it can take as long as a month. According to the Air Travel Consumer Report, about 2 percent of all missing bags remain lost. So, what do you do when an airline loses your luggage on your cruise vacation? Here are some tips.

• If your luggage is lost, report it to the airline immediately. The Department of Transportation strongly suggests you fill out a form with the airline the day your baggage turns up missing. If you flew on more than one carrier, the airline you last flew is usually the one responsible for processing your claim — even if the other carrier lost the bag.
• If your baggage is declared lost, make an itemized list of everything in your suitcase. Assign a value to each item, including the suitcase itself, using the price you paid, but understand that airlines won’t pay full replacement value; they will pay a depreciated value. The maximum claim the airlines are required to pay is $2,800 for baggage lost on a domestic flight and approximately $1,500 for baggage lost on an international flight. The maximum award for international flights changes daily based on that day’s value of “Special Drawing Rights” (SDR) per passenger. The daily value of SDR can be found at the International Monetary Fund’s exchange rate Web site. Additional information on SDR can be found in every airline’s contract of carriage.
• A similar claims process is involved when luggage is damaged. Open your suitcase right away to check for damaged contents or stolen items. Any damage or lost or stolen items should be reported immediately to the airlines. The same limits apply for damaged luggage as to lost luggage.
• Tell the cruise line staff that your airline lost your luggage. They can help you keep in touch with the airline regarding the status of your luggage and they can help you get clothing and personal care items.

The Department of Transportation estimates that it takes an airline anywhere from six weeks to three months to pay you for your lost luggage. As for the Spitals, after three months they finally received a check from Iberia for $900, far from their original claim. They are glad it’s over and have vowed to never fly Iberia again.

Tennessee resident Patty Johnson was looking forward to her 5-day cruise on the Carnival Fantasy sailing from Mobile, Alabama last December. However, when she arrived at the pier there was no ship due to severe fog. According to Johnson the weather wasn’t the only thing that was foggy, but so too was the information they received from Carnival.

Gulf nightmare

December 14 was an extraordinarily rare weather situation as thick fog in the Gulf of Mexico closed ports and delayed cruise ships from Tampa FL all the way to Galveston TX. Carnival Cruise Line’s ships weren’t the only ones affected that day a number of Royal Caribbean vessels had also been delayed by the inclement weather.

Guests arriving at the Mobile pier hoping to sail on the Carnival Fantasy that afternoon quickly discovered there were no ship due to the weather and were instead sent to the city’s civic center to await information from the cruise line. While waiting for news from Carnival terminal officials provided lunches to the stranded passengers and offered advice on sightseeing and shopping in the downtown area.

When the Carnival Fantasy couldn’t return from its four day cruise, the five day cruise set to depart that afternoon for Cozumel would have to wait until the next day. Carnival issued a statement to guests waiting at the civic center stating that it worked with area hotels for discounted room rates and would be providing transportation to and from hotels. According to Patty Johnson that wasn’t the only thing that Carnival stated.

Misinformation

Johnson said the communication between the Carnival staff and the passengers was extremely poor. She stated a Carnival employee announced that since the ship couldn’t get in on schedule the cruise line was changing the sailing from 5 days to 4 days. “He then announced that we could go on the shortened sailing and get a partial refund for the day missed or we could not sail and get a full refund,” said Johnson. With that information Johnson says she was opting to get the full cash refund and drive back home to Tennessee. However, a few minutes later the same Carnival employee came on the speaker and announced that there had been an error and that those canceling would receive a credit towards a future cruise, not a full refund as previously announced.

Patty Johnson was furious. “I paid $556.42 in good faith for a 5-day cruise Carnival could not provide. They were quick enough to take my money. I feel they have an obligation to honor’s their senior representative’s announcement and provide me with a full refund.”

I contacted Carnival to get their side of the story. I spoke with Carnival spokesperson, Vance Gulliksen. Gulliksen acknowledged there had been some misinformation regarding the opportunity to receive refunds that was inadvertently relayed to guests. Gulliksen adds that shortly after this misstatement, a letter outlining embarkation instructions for the modified four-day cruise, as well as the correct information on Carnival’s offer for a future cruise credit, was distributed to all guests. All guests were given the option of sailing and receiving a refund equal to one day of their cruise fare, along with a $20 missed port credit, or canceling and receiving a future cruise credit equal to their cruise fare.

“More than 2,150 guests opted to sail on the modified four-day voyage,” said Gulliksen. Patty Johnson opted to not to sail and received a future cruise credit which is valid for sailings through December 2011.

Fog protection?

Changes in itinerary can be upsetting for some guests since they aren’t getting the exact scheduled vacation they purchased. While I sympathize with Patty Johnson I feel that her stance given Carnival’s admission to be unreasonable. A mistake was made by one employee, but was quickly rectified a few minutes later by the cruise line. Furthermore, the cruise line certainly couldn’t help the extreme fog situation.

In every cruise lines’ passenger contract is a clause stating that the cruise line has the right to change a sailing or skip a port during a cruise for weather or other safety information. Carnival’s Cruise Contract has this very clause located under Section 7, which basically states they can change course and have no liability for any compensation or other damages in such circumstances. Fortunately most major cruise lines like Carnival do compensate passengers in those instances and offer partial refunds, shipboard credits or discounts on a future cruise.

In the rare instance a cruise is canceled, passengers are entitled to a full refund. Still, the majority of ships set sail regardless of weather. Cruise travel is unique in that you will usually have a vacation even with weather issues. Travel insurance coverage would have kicked in for the expenses of a hotel, but most basic travel insurance policies do not cover passengers who cancel or delay a trip merely because the itinerary has changed. There are some insurers and cruise lines that offer a ‘cancel for any reason’ add-on to a regular travel insurance. Depending upon the insurer, cancel-for-any-reason policies provide a cash payout of a portion of a canceled trip’s cost or for a cruise line a voucher for use on a future trip. As for Patty Johnson she’s still not happy with the outcome and still debating whether or not to use her cruise credit.

Minnesota residents Kristen and Joe Wegleitner just wanted to start their October honeymoon off in grand style with a romantic 7-day Mediterranean voyage on Celebrity Cruises. Unfortunately things began to unravel when bad weather and a hodgepodge of missed airline flight connections forced the newlyweds to scuttle their cruise plans. Thankfully the couple had the foresight to purchase travel insurance and thought the claims process with Travel Guard would be hassle free. Or so the Wegleitners thought.

Bumpy flights

The Wegleitners were already tightly scheduled on their Delta Air Lines flights from Minneapolis to Atlanta with only one hour connecting time for their flight to Europe. When their flight landed 65-minutes late into Atlanta they knew they had missed their connection, which meant they would not be able to board the ship in time. The couple immediately contacted Celebrity Cruises to make arrangements to board the ship in the next port – Cannes, France. Delta was able to rebook the Wegleitners the following day on a flight to Nice, France via New York’s JFK airport; however, they would have to spend the night in Atlanta.

Unfortunately another day didn’t make a difference as bad weather forced their New York-bound flight to arrive 68-minutes late, which caused another missed flight to Europe. The Wegleitners felt trying to get another flight to catch the ship would be a moot point since much of the cruise would have been missed. They came to the conclusion that it was best to rebook the sailing for another time. “At this point we contacted Travel Guard to insure that if the trip was aborted we would be covered under our insurance,” said Kristen Wegleitner. The Travel Guard representative assured them that since the issues were weather related they would be covered. After spending the night in a hotel near JFK airport the couple flew home to Minneapolis dejected, but still hopeful that their honeymoon could be salvaged at a later date.

A few days after returning home the Wegleitners submitted a claim to Wisconsin-based Travel Guard for the amount of $3,900 for the missed flights, cruise, transfers and hotels.

Travel Guard too guarded

Imagine the couple’s dismay when they opened an envelope from Travel Guard a month later that contained a check for $1,758. The check stub stated the amount was for the missed cruise and transfers and since some of the airfare had been used by the couple there would be no refund.

Kristin Wegleitner was livid. “What they gave us won’t even cover our plane tickets!” She did not understand why they couldn’t be reimbursed fully. “Is that not why we purchased the insurance in the first place”, she asks. After going back-and-forth with Travel Guard, the Wegleitners contacted Consumer Traveler for help.

Claim bliss

I contacted Travel Guard on the Wegleitner’s behalf to find out their side of the story. I spoke with company spokesperson, Dan McGinnity. After checking on the couple’s claim McGinnity stated that there had been a mistake by Travel Guard and a misunderstanding by the Wegleitners. “After completing the review of the Wegleitner’s claim, Travel Guard will be sending an additional reimbursement check of $1,760.22, for a total claim payment of $3,518,” said McGinnity. He noted that the first payment was for the cruise/transfer portion of the trip and when the check was sent out; an accompanying letter stated that “a portion of your claim is still under review.” He said because the cruise/airfare/transfers were bundled into a single cost, Travel Guard was corresponding with the travel agent that booked the flight to determine the value of the unused airfare. “We estimated the cost of the used flight (roundtrip Minneapolis to Atlanta twice) at $440 and that amount was deducted from the total claim payment.”

Having seen the Wegleitner’s documentation from Travel Guard stating there would be “no refund” for air I asked McGinnity why that was on the check stub that led to all the confusion. “There was a miscommunication between the analyst who was working the claim and the processing person who sent the check,” said McGinnity. He noted the information on the check stub is typed in by the claims processing person as a notation for what the amount of the check covers. “In retrospect, we could have done a much better job of communicating with the Wegleitners. In fact, we are planning to use this as an example in our claim processing training.”

“It’s too bad that the Wegleitners didn’t take advantage of our 24/7 travel assistance when they ran into travel problems,” added McGinnity. That benefit is included in all Travel Guard policies. “In a case such as this, we have travel counselors available by phone who will help rebook canceled flights and make other emergency travel arrangements. I think we could have saved them a lot of hassle and may have been able to get them to Barcelona in time to catch their cruise,” he said.

As for the Wegleitners they are happy with the outcome but leery about having to fight so hard for clarity from the company. “Although this process has been a pain, we are getting mostly refunded which will allow us to take another trip without spending a lot of time saving-up,” said Joe Wegleitner.

An ounce of prevention

I am glad Travel Guard came through for the Wegleitners and this case clearly highlights why travel insurance is so important to protect your vacation investment.

That being said, much of the Wegleitner’s travel woes could have been minimized with practical travel planning. First, if you live far from the embarkation port, try and get there a day early. Padding your travel time may cost a bit more, but it pays off in the assurance of a stress-free start to your vacation. Second, just say no to short connection times for international flights. Rule of thumb – do not book a flight with a connection time of less than 90-minutes, especially in the busy airports like Atlanta, New York, Chicago, etc. Taking the earlier flight to the connecting city may seem like a waste of time, but it’s time well spent and it just adds on to your options in case things go astray.