What to do regarding reimbursement from a cruise company for an unused insurance premium?
Question Details: We took a and land sea trip with a cruise company. At the end of land trip, the company canceled our river portion due to engine problems. We are negotiating with them on reimbursement. We have settled settled except for prorated reimbursement of our travel insurance of $1900. They say travel insurance is non-refundable and could possibly be illegal. They are not affiliated with insurance carrier. To us, they cancelled the cruise and we should reimbursed for the unused $1900 portion.
Travel insurance is not illegal. If the cruise company breached its contract (the agreement with you as to what it would provide) and that breach caused you to lose money, you could sue them for that. The problem is, how do you prove that them cancelling the river portion caused you to lose money in this case? You voluntarily paid for the insurance; you would have to be able to prove in court by a preponderance of the evidence that their cancellation directly caused you to lose a portion of the value which, given the limitations on travel insurance and when it pays out, is likely to be difficult to do. How. can you prove that you absolutely (not hypothetically] lost some sum of money due from what you paid for the insurance due to the cancellation? If you can't do that, you can't recover it from the cruise company.