Answer: If you booked your vacation directly through the cruise line, I don’t see any reason why it shouldn’t offer a full credit.
But that’s not how it works; cruise lines sell expensive, and often highly restrictive insurance policies as add-ons that give you a credit if you have to cancel a cruise – and only under certain circumstances.
I think special conditions applied to your cruise. First of all, NCL already inconvenienced you by changing the date of your sailing. And you were very understanding of that and didn’t ask for any consideration in return.
Second, you booked this cruise directly with NCL. You bought the only insurance it offered. (For future reference, I would recommend shopping around instead of buying the first policy you’re offered. You could have found insurance that covered your entire cruise through another company.)
And finally, this event had nothing to do with you – it was a natural disaster that affected a lot of NCL passengers. While it may be true that NCL only had to offer you a 75 percent credit, I think they could have done a little better.
Your case shows how careful you have to be when you’re shopping for cruise insurance, but it also shows how vigilantly cruise lines are protecting their revenues. If it had been my cruise, I would have asked for a full refund, since I booked my vacation directly.
I contacted NCL on your behalf. As a “special courtesy” it extended an additional 25 percent of your cruise fare as a credit.