Originally Posted by
Often1
If NK cancels the flight or it is substantially delayed, you will be entitled to a full refund to your original form of payment. You have not provided a date of travel, but I would do nothing until then as most carriers are radically adjusting their frequencies and your flight may very well end up being one of them.
If, however, your flight is not cancelled, it will be down to your travel insurance as the offer of a credit / voucher is purely voluntary on NK's part. Don't forget that there are many people for whom a future date is useless, having nothing to do with their citizenship.
If you do want to take a run at NK, you must call. But, do not expect anything as I would not expect NK agents to have any authority to vary from policy.
Can't really add much more than this. A budget carrier is always going to give you some grief, so I would tend to prefer travel insurance, especially as the offered solution doesn't work for you. Spirit is (rightfully not interested in your citizenship or reasons for not travelling.) But this may all be moot as the likelihood of a cancellation grows.