Consumer advocates suspect the Norwegian travel protection plan may provide the cruise line with a kickback that isn’t disclosed to purchasers.The Norwegian travel protection plan is often chosen by customers who are looking for a flexible cancellation, in case their travel endeavors fall through.
The Norwegian travel protection plan offers travel insurance and travel assistance coverage, which are supposed to provide customers with peace of mind while traveling.
However, customers have recently been complaining that this and other cruise line travel protection plans are misleading and that each of the features have different fees due to having different providers.
The Norwegian travel protection plan is currently being investigated for possible misrepresentations that could run afoul of applicable consumer protection law.
According to the cruise line’s website, the Norwegian travel protection is “hassle free and worry free” so customers need only “look forward to a great holiday.” The Norwegian travel protection consists of the following options to help cover the cost of:
- Trip Cancellation
- Trip Interruption
- Lost Luggage
- Trip and Baggage Delays
- Medical Expenses
- Emergency Medical Transportation
Overview of Cruise Line Travel Protection
The Norwegian cruise line consists of 16 ships, and offers a wide range of accommodations and dining to their guests. It was recently named Europe’s Leading Cruise Line” for its tenth consecutive year, and prides itself as being a leader in cruise ship innovation.
In addition to these services, the cruise line states that customers have access to the company’s 24 hour hotline to offer “worldwide travel assistance.”
The cruise line also offers customers additional coverage with Platinum Travel Protection, which offers the benefits from the base protection plans at “double the standard coverage” including covering baggage, medical expenses, and assisting someone return to their country of origin. The website states that this program is “effective when the appropriate Plan Cost has been paid to Norwegian Cruise Line.
Overall, the Norwegian travel protection plan is supposed to provide customers with reasonable reassurance that their personal belongings are safe and they will not lose money from canceled trips.
Even if a customer is not reimbursed after suddenly canceling the reservation, the cruise line states that the Norwegian protection plan can credit the canceled cruise to the next trip.
While these benefits are enticing, it is important for companies to be transparent with their customers in these transactions, especially when it pertains to their personal belongings, personal safety, and cancellation. Class action investigators believe that Norwegian and other cruise lines may have made improper financial arrangements with the third parties providing these travel coverage services, then concealed these arrangements from consumers.
Certain cruise lines have been allegedly receiving financial kickbacks for every travel insurance policy sold. Norwegian and other companies may have concealed this fact by:
- Marketing and selling the travel insurance policy and other non insurance products without clarifying the price paid for each product
- Using opt-out marketing tactics
- Marketing or selling travel insurance policies that could never result in a paid claim
Consumers may qualify to participate in this investigation if they purchased a Vacation Protection Plan online simultaneously with an online purchase of a Norwegian, Royal Caribbean or Disney Cruise line ticket after 2014.
Cruise Vacation Protection Plan Investigation: Do You Qualify?
You may qualify for this investigation if you meet the following requirements:
- You purchased a Norwegian, Royal Caribbean, or Disney Cruise line ticket online after 2014.
- You purchased a Vacation Protection Plan online at the same time as purchasing the ticket
If you meet the requirements detailed above, you may qualify to join this cruise travel insurance class action lawsuit investigation.
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One thought on Norwegian Travel Protection Plan May Violate Consumer Protection Laws
Bs.. they dont tell u everything when u pay for the insurance .. we booked with a cruise we earned thru a casino .. and paid the extra for the insurance for all the passengers.. and then find out later we vo yo ldnt cancel the 3rd person on the cruise without a 75% penalty.. unless they had some crazy life threatening reason …. i.e
) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member which results in medically
imposed restrictions as certified by a Physician at the time of Loss preventing your participation in the Trip. A Physician
must advise cancellation of the Trip on or before the Scheduled Departure Date;
(b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of
felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by
fire, flood or other natural disaster;
(c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en
route to departure;
(d) An Insured is terminated, or laid off from employment subject to one (1) year of continuous employment at the place of
employment where terminated.