I just looked at the documents again.
Under "Trip Cancellations & Trip Interruption" It says, "Up to total trip cost (10k limit) if you cancel or interrupt due to sickness, injury, death, and other covered reasons," I wonder what "other covered reasons" entails
I think I will have to call on Monday and find out.
If I cancel I would just hope to get a full refund. Don't think I would want the cruise credit because I don't even know when else I would take a cruise amidst the coronavirus. It just sucks to cancel because this trip was supposed to be a birthday trip to myself and I kinda got my 3 year old excited to see Mickey mouse
Your policy will have a list of the "other covered reasons". Fear of coronavirus won't be one of them. A member of your traveling party actually being sick with or quarantined due to coronavirus probably is covered, although from others posting on here it seems many US policies have a specific exclusion for "pandemic" which may exclude that too.
"other covered reasons" typically covers things like being required to serve jury duty, suddenly losing one's job [as long as you were employed a minimum period of time at that employer], etc.
As an example, this is what
DCL's vacation protection plan's "other covered events" are:
QUOTE
“Other Covered Events” means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s primary place of residence is made Uninhabitable, by fire, flood, or other Natural Disaster, or vandalism;
c. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;
d. Inclement Weather that causes complete cessation of services of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;
e. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 3 continuous years;
f. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, except war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
g. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay Benefit.
END QUOTE
I have another travel cancelation/interruption policy which has a much longer list, but the above things are basically covered as well.
For these types of policies, if it is not on the list of covered things, it isn't covered. That is when your "cancel for any reason" part of the policy would kick in,
IF you have CFAR coverage.