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I am sorry to hear about your wife's troubles. Have you checked with the credit card you used to see if they offer any travel protection? We recommend purchasing travel insurance for anything you can't afford to lose. When was the 5th cruise scheduled? Have you already cancelled the 6th cruise?
You may try writing to our company contacts (located at the top of the page) for Viking and see if you can get a partial refund. Please read how to write located at the bottom of the company contacts page and then wait at least a week between each correspondence.
We've done 2 Viking cruises and have been very happy with both. But we ALWAYS buy trip insurance (and Medjet Assist) now that we're "senior citizens". So far we've been lucky, but we count the money spent on insurance and Medjet well worth the peace of mind.
You're smart ... I've had MedJet since we were about 40. Read my post in the Insurance Forum from September/October 2015 about my husband's new Parisien hip and what a good job MedJet did for us. I don't care who offers what, I'll never leave home without MedJet (compliments to Karl Malden and American Express).