You're right but I'm at a level of frustration where I feel something has to change.
I am so sorry. That must have been terrible. I’m now beginning to wonder about our DCL cruise plans for October. I don’t know how you guard against something like this. Case in point two weekends ago we were supposed to travel to Michigan for a college football game. Son, who coaches HS football, had a prolonged and close proximity exposure to a player who tested positive 2 days before we were supposed to fly. After some agonizing (the certifications you have to make in order to fly include known exposures), we bailed. Sitting home watching the game on TV instead that Saturday night we learn from our son that the player who tested “positive” was a false positive after two follow-on negative tests. Argh. Not nearly as frustrating as your situation. I can’t even imagine. Color me confused and concerned right now. But mostly wanted to convey “sorry” for what must have been a bummer of a day for you.
Shouldn't the insurance kick in to provide a refund?
Just so I understand, you can decline the credit and choose to file on your trip insurance for cash back?
I'm fairly certain the answer is "no." To my knowledge, insurance only pays if you are not able to get a credit and are "out" the money.
That may depend on the specific policy. I know during COVID some people got caught with cancelled flights but the airline offered a credit and the insurance denied a claim even though the traveler didn't want/wouldn't use a credit. Maybe once the credit expires unused, then a claim could be submitted to insurance. But again it probably depends on the insurance policy.
Are you sure the bolded items aren't automatically reimbursed? I know they aren't typically rolled into a cruise credit and were refunded. But even pre-covid if someone simply didn't show up at port or was denied boarding, the taxes and port fees were reimbursed. Those items are collected on your behalf and actually payable to whatever authority -- if you aren't present, there is no tax or port fee due. It's my understanding that it is illegal for an entity to collect a "tax" that doesn't get paid to the taxing authority and must be refunded.
It doesn't say you won't be refunded for taxes, etc., just that your Future Cruise Credit excludes those amounts. As PP says, I'm pretty sure those will be automatically refunded. Other items noted -- insurance, airfare, hotels, tickets, etc. may be dealt with depending on the contracts with those third-party vendors because none are specific DCL products.
I hear ya! There is not enough self help positive thought programs for me to deal with all the stress! Ours is in January too and I keep thinking things might be different then, but I am one that actually got so stressed before the pandemic under normal circumstances, I cannot imagine now! I guess if you didn't have to travel far it would not be so bad.
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