Originally Posted by t4w
First time cruiser with NO CLUE! Would insurance (if purchased through company other than Disney) cover the expense if ship didn't dock or was late or whatever?
Technically, since your money would be non-refundable, yes they would. You'd need proof that the ship didn't dock, and that you didn't get a refund. However, if the proof that you didn't get the refund states "the customer did not show" vs "the customer was on a Disney ship that didn't dock", then you're out of luck, because just choosing to not show is not covered. How could you have missed the excursion because the ship did not dock if you weren't on a ship? Once you start fibbing, you set yourself up to possibly not getting reimbursed. It's all a calculated risk.