You'd probably have to get third party "cancel for any reason" insurance. Cruise line policies are pretty limited in what they cover, which is why I never use them.
I was once told by an airline ticket agent that my very common name was on a watch list. I must not have met some other criterium as I was allowed to travel.
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Bob
A Bad Day At Sea [with power] Always Beats A Good Day At Work
Alaska 2014 - haven't picked a cruise yet
Carnival: Glory 2004, Destiny 2008, Splendor 2009, Freedom 2011, Valor 2012
Celebrity: Summit 2011
Princess: Ruby 2010, Caribbean 2013
Someone with the same name as my daughter was on the no-fly list; may still be. She flies a great deal for her work, much of it back and forth to Europe. She would regularly be called out and interrogated, but never missed a flight. She had to allow lots of extra time at the airport, though. After three years of hassles the system found some way of figuring out which one of them was which, and she is no longer bothered.
That is funny - I had never known it was so pervasive.
I once had a situation where Transferred all of my credit card points to Southwest, which I only booked one-way because I only flew them between PHX and SAN Diego to meet my wife and we would drive the only way home. Every one-way ticket gets screened.
I just called them and said "I didn't opt to get 8 free tickets with just to have to get screened every time I fly with you." They stopped screening me.
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I am the editor, but I also speculate, ask questions and play devil's advocate. I reserve the right to change my mind.
You would have to ask that question of your travel insurance company since only an insurance adjuster/examiner can provide an accurate answer for it. I've not heard of this situation coming up before and whether it would be covered or not is something only they can answer.
If you happen to purchase the 'cancel for any reason' policy, at least you'd get most of your money back, but those policies are alot more expensive.
I once had a Federal judge refused because he was on the no-fly list and you can imagine the uproar over that one!
Unfortunately, anything anyone on this forum can provide would be pure speculation since this is a very specific question that may vary based on the insurance company and the individual policy purchased.
Best advice is to talk directly with your insurance company since each company could be different.
Pete
__________________ 45 Cruises & Counting! Favorites: Paul Gauguin to Tahiti: Uniworld River Cruises in Europe; any of the Celebrity Solstice-class ships; Holland America for 12-nights in the Baltics & Russia; RCCL for 14-night Greek Isles, Turkey, & Croatia; Holland America for 14-day Alaska cruisetour; 10-night Canada/New England cruise; 21 days in Hawaii including a 7-night NCL cruise; Oceania for 25 days in Asia; & 3 months touring Europe by train. And many days spent in all-inclusive resorts!
One option is to pay $100 and apply for the Known Traveler program through the Customs and Border Patrol. They do an extensive background check and interview. Once approved, you have an ID card and enter the Known travel number into your profile when you purchase air tickets. After that, you will be pre-cleared...even have an opportunity to participate in the TSA Pre-check program and have expedited screening, leave your shoes on and liquids/laptop in your carry on (in selected airports). I used to get checked all the time. Not any more...