Well I wanted to share my recent experience with Carnival on a missed Cruise. We were scheduled to go out on the Conquest the week that hurricane Gustav came into the Gulf of Mexico. We live in South Louisiana and Gustave was heading straight for us. Needless to say we could not leave family and elderly parents in a hurricane to go on a cruise. After the fact we wrote a letter of explanation to Carnival and they did indeed give us a very generous credit. As a matter of fact we took the cruise last week and had a wonderful time. They only kept $80 from each passenger, I though that was more than fair!
Also I want to say that we had purchased the insurance but in the fine print it said that for natural disasters as Hurricanes, Tornados etc that you are only covered if your home was deemed unlivable! Make sure you read all of the fine print on those insurance policies!