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.

Fred and Deborah Marenna were looking forward to celebrating their 25th anniversary on the Carnival Miracle. It was the perfect itinerary for celebrating as it would visit exotic Panama and Costa Rica.

But the day before the Connecticut couple was to fly to Fort Lauderdale, things started to fall apart. Their travel agent called with bad news: The Miracle’s entire itinerary was being altered and the ship would no longer be visiting Panama or Costa Rica. The couple had the option to continue the cruise with the revised itinerary that would include a $50 onboard credit or they could opt to receive a full refund.
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It’s two months into 2009 hurricane season and the first tropical storms and major hurricane are impacting a number cruises in the Caribbean. Last weekend, Tropical Storm Ana doused much of Puerto Rico and the Virgin Islands. Hurricane Bill became the first hurricane of the season, and is currently a Category 4 storm.

So what happens to guests on cruises that are affected by storms?

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 a hurricane since cruise ships are mobile and can sail away from the storm and avoid storm-affected ports. In most cases the cruise line will be able to substitute the canceled stop with an alternative port. Still, changes in itinerary can be upsetting for some guests since they aren’t getting the exact scheduled vacation they purchased.

In every cruise lines’ passenger contract is a clause stating that the cruise line has the right to skip or change ports during a cruise — a normal occurrence in hurricane season. Cruise lines aren’t required to compensate passengers in those instances, but some do offer partial refunds, shipboard credits or discounts on a future cruise. Carnival is the only cruise line that will notify guests of a pre-cruise itinerary change. The line offers booked guests the opportunity to cancel their cruise within 24 hours without penalty.

“Late summer and early fall are great times to travel, but they’re also the prime seasons for tropical weather conditions that can impact your travel plans,” said Dan McGinnity, Travel Guard Vice President.

A typical insurance plan from Travel Guard can provide coverage for trip cancellation or interruption if the insured’s travel is impacted by a hurricane or other severe weather. Travel Guard also offers a plan that provides emergency travel services for customers in transit to help rebook flights and escape harm’s way. Carnival recently enhanced its Cruise Vacation Protection Plan to include severe weather watch and warning protection. Should the watch or warning affect either the cruise departure city or the guest’s route to that city within 48 hours of a cruise departure, the plan will allow for cancellation and reimbursement up to the full amount of the cruise cost.

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 like Royal Caribbean 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.

For losses to be covered, travel insurance must be purchased before a hurricane is named, McGinnity said. Once a warning is issued, losses resulting from a named hurricane on, before or fewer than 14 days after the effective date of coverage are excluded.

Not all travel insurance companies offer protection for weather related interruptions, so it is necessary to read the fine print carefully. Understanding the components in travel insurance is essential for making sure that you are not caught off-guard, thinking you have protection when you actually don’t. Always read the fine print in all insurance policies. If you don’t understand something, ask. The more you know up front, the fewer problems you will face if you need to file a claim.

Sailing during hurricane season requires a level of flexibility. You’ll want to plan accordingly for the possibility that what you’ve booked might not happen as expected. If your heart is set on visiting a specific destination or sailing a certain itinerary, you may want to think twice about booking sailings during hurricane season.

Susan and Larry Smith were looking forward to their first-ever Cunard cruise across the Atlantic onboard the fabulous Queen Mary 2. But the fun stopped for the New York City couple the moment Larry had chest pains along with gastrointestinal malaise.

The Smiths immediately sought treatment at the ship’s infirmary, where the ship’s doctor ran an EKG and some tests. Fortunately Larry’s heart checked out okay, but he was dehydrated and was given intravenous fluids and was kept in the infirmary for an hour of observation. Larry’s tests ruled out any infection, but the doctor couldn’t figure out why Larry had become so dehydrated. Therefore, no definitive diagnosis was reached. The next morning Larry felt much better and the cruise continued. A few days after the visit to the infirmary, the Smiths got another unpleasant surprise: a bill for medical services totaling $1,200. The amount was immediately charged to their shipboard account.

The Smiths were shocked. “It didn’t seem like a lot of treatment for $1,200. It was as much as my cruise fare,” said Susan Smith. Even worse the couple foolishly believed that their health insurance would be accepted onboard the ship. It wasn’t. Fortunately they did have travel insurance (purchased through the cruise line) that covered medical issues.

Insurance doesn’t travel well
What many people don’t realize is that all cruise ships of foreign registry are considered to be entities operating outside the United States. And, as the Smiths discovered, domestic medical insurance coverage doesn’t travel the same way aboard ship as it does within the United States. Sometimes, coverage doesn’t extend to foreign travel at all; other times it just works differently. For example, co-payments may be higher than usual or your reimbursement may be limited.

Even with complete medical coverage, you can’t just hand the cruise line your insurance card. You will usually have to pay your treatment costs up front and file for reimbursement after you return home. That’s what the Smiths did. Their insurer accepted the claim but explained it could take up to three months to receive reimbursement. The Smiths were relieved to be covered at all.

Could the Smiths have avoided the $1,200 out-of-pocket expense? Maybe. If they had purchased third-party travel insurance, they could have received upfront financial assistance and they might have gotten their money back more quickly.

Third-party insurers usually provide primary coverage, i.e., the insurance company pays the traveler directly for any medical claim. Most cruise lines also sell insurance policies, but these usually provide secondary coverage, which means that you must file your claims through your regular medical insurance carrier, then seek reimbursement from the cruise line’s insurance company.

Cover the gaps
Medicare beneficiaries should always purchase travel insurance when they cruise, because they do not have Medicare coverage outside the country. Another very big gap is medical evacuation and transportation services, which are seldom covered by medical insurance policies. According to Medjet Assist, an Alabama-based evacuation operation, domestic air medical evacuation services average $10,000 to $20,000, while international transports can exceed $75,000. If you travel more than once a year, consider buying an annual policy; both MedjetAssist and Travel Guard offer this kind of policy, which can be purchased for as little as $185 a year.

Cruising is exciting, but it can turn into more of an adventure than you planned if you discover that you aren’t covered for the unexpected. So check your insurance policies and fill in the gaps with supplemental coverage.