Want a refund? Read the policy By Christopher Elliott | May 8, 2011 FacebookTwitterGoogle+Pinterest It looked like a lost cause. Betty van Iersel had prepaid $3,900 for an all-inclusive seven-day French canal tour on the barge Luciole. But two weeks after she’d wired the money to the cruise line, a financial emergency forced her to cancel. The Luciole’s owners refused to return her money, citing their refund policy. Her travel agency, Annapolis-based Special Places Travel, which specializes in European barge tours, told her that she could only get her money back if her cabin was resold. And that seemed like a remote possibility. “I can’t afford to lose this money,” van Iersel wrote to me. “Do I have any options?” An increasing number of cases that cross my desk look like van Iersel’s: Because of a policy or rule — not always clearly disclosed — a favorable resolution looks improbable. Though each case is different, they all tend to have one thing in common: They could have been completely avoided with a few simple preventive steps. Take the case of Veda Robinson and Jackie Smartt, who contacted me recently after missing their Carnival cruise. The reason? Smartt hadn’t brought the right form of ID for her international trip. Then, because of a misunderstanding, both women were denied boarding, even though Robinson had the correct paperwork and wanted to take the cruise. “Carnival will not reimburse me for being denied boarding, even though I had documentation, because they recently advised me that the personnel at the pier asked me, ‘Do you want to board?’ and documented on my incident report, that I said ‘no,’ ” she says. She denies that she declined to board the ship. Carnival offered her, but not Smartt, a do-over cruise. After I blogged about the case, Robinson’s travel agency secured her a full refund. But there’s a valuable takeaway for the rest of us here. Don’t wait until you’re home to ask a travel company to make something right. Had Robinson made her case more forcefully at the port, she might have been able to get on the ship. Unfortunately, Smartt would have been allowed on board only if she had remembered her passport or passport card. Double-checking for your passport before you leave? That’s always good advice, of course. Or consider the case of Ana de Pascht, who recently had a flat tire on her way to the Albany airport. Her US Airways ticket, like most tickets today, was nonrefundable, nontransferable and non-changeable unless she paid a hefty fee. “I called US Airways and asked what could be done,” she said. “I was told that I had to buy a new ticket and also pay a change fee of $150 — a total of $273 — if I wished to travel on the next flight out. I did question the agent about any other ways to avoid paying all that money and was told that was my only option.” No, I’m not going to suggest that de Pascht should have checked the air pressure in her tires before heading out, although in hindsight, that might not have been a terrible idea. It helps, though to have some passing familiarity with airline policies. Turns out that there’s a “flat tire” rule, and airlines are known to cut their passengers some slack if they can’t make it to the airport through no fault of their own. (Seems fair, given that we’re pretty understanding when their planes break down.) I thought the rule had been phased out, but I’m told it’s still unofficial policy at some airlines, including US Airways. Had de Pascht politely invoked that rule with the reservations agent or the agent’s supervisor, she might have been able to rebook her flight at no charge. A US Airways supervisor at the airport conceded that the $273 fee to fly the same day seemed unfair, but he couldn’t initiate a refund. Only the refunds department is allowed to do that. Eventually, de Pascht’s story reached the ears of the Transportation Department, which referred the case back to the airline. As a “courtesy,” US Airways agreed to refund the $150 change fee. And what about van Iersel? Standard travel insurance wouldn’t have addressed her troubles, although a slightly more expensive “cancel for any reason” policy may have allowed her to recover part of her ticket. Nor did using a travel agent protect her from the Luciole’s restrictive refund policy. But it gave her an advocate in dealing with the cruise company. She might have avoided her problem by carefully reviewing the cruise line’s policies and paying by credit card. Many cruise lines offer either a full or partial refund as long as you cancel with enough advance notice. Also, I would never recommend paying with anything but a credit card. While a small percentage of legitimate travel companies accept only wire transfers as payment, many more questionable operators insist on having the money in hand, because they know they’ll be able to keep it even if you have a problem. I have no reason to believe that the Luciole’s operators fall into that category. But nothing could compel me to wire anyone $3,900, unless maybe they were holding one of my children hostage. I had a lengthy conversation with van Iersel’s travel agent, who reiterated the Luciole’s policy. I got the impression that a refund was all but out of the question, because her cruise was only a few weeks away. But a few days later, I heard from both the passenger and her agent. The cabin had been sold and a refund was being processed. “I am off the hook,” van Iersel told me. I love a happy ending. (Photo: Magic Ket chup/Flickr Creative Commons) FacebookTwitterGoogle+Pinterest Christopher ElliottChristopher Elliott is an author, journalist and consumer advocate. You can read more about him on his personal website or contact him at firstname.lastname@example.org. Got a question or comment? You can post it on our help forum.More Posts - Website - Twitter - Facebook - LinkedIn - Google Plus sirwired What was the financial emergency? Job loss? I ask because full refund in the event of job loss is a common trip insurance coverage. Christopher Elliott @sirwired:disqus I left that out of the story. It was a tax issue involving her late husband. It was felt an explanation would have bogged down the story. Rebecca I have to say I would never go for a trip in that amount if I don’t have enough money in my bank to cover emergencies! JJWeldon The credit card company would have most likely said the OP cancelled, and denied the challenge. it wouldn’t have helped her. Carver Rebecca That is a good sentiment. The problem is that when an emergency occurs, you often can;t predict the full magnitude of the emergency. Thus all of the most careful planning in the world might not be sufficient. Mark K How convenient that the cruise line resold the cabin shortly after Mr Elliott got involved and the refund was allowed. Don’t get me wrong, I am very happy for the OP that she got her money back. It just seems a strange coincidence that the cabin was not resold until now. And, sorry to sound so pessimistic, it probably would not have been “sold” and the OP would not have gotten the refund otherwise.