Three of us have booked a very comfortable Suite / Deposit Paid.
One of us pays the lessor 3 rd person rate with the knowledge that his invalid Father could worsen whom he looks after.
We privately total 3 fare amounts and then divide by 3 which lessens the amount paid per person.
We are all happy campers?
We all have taken out insurance.
Hypothetical / Friends father is failing and has to cancel??????????
We are aware that the base price of the cabin has to be paid to the Shipping Company.
Do we substitute our friend with the invalid father as being the principle 2nd person in the cabin?
What policy would the Shipping company and the Insurance Company adopt?
With the very best of intention to sail / travel. What should we do to protect against a higher fare or a loss?
It would appear that as he is covered individually that his fare as the third person would be covered only and to try and count it as one of the primary ones could possibly be considered fraud. His insurance is based on his fare and not what you as a group have decieded to do. If he can't go he gets his "third party" fare returned and that's it. It would be up to you to return the portion of your fare that he paid for.
As I understand it each passenger in the cabin purchased individual travel insurance. It also appears that two passengers paid the fare charged for two in the stateroom and the third person in the stateroom paid a reduced fare which is common with cruise lines.
If the travel insurer for the "friend" whose father was ill accepts the claim, it would be liable for no more than the amount on the "friend's" travel insurance policy. In a situation as described, even if the "friend" purchased a travel insurance policy that waived pre-existing conditions, it does not necessarily follow that the insurer will pay.
Another point on insurer's liability in case of cancellation. The insurer is liabile only for the amount of fare that the cruise line has not returned. In case the passenger cancels during the cruise line's 100% cancellation penalty period, the insurer may be liable for the 100%. If the passenger cancels during the 50% cancellation penalty, the insurer should be liable for 50% and the cruise line 50%.
In the event the other two passengers cancel because the "friend" canceled, if these two are not related as set forth in the contract, I question if the travel insurer would be a friend. The insurance contract usually spells out who are eligible to receive benefits and the reasons that are accepted for canceling.