My Husband and I were on a HAL cruise ship off Chile. On 3/15/20 due to COVID-19, Chile gave us 24 hours to disembark and make arrangements to fly home. Then on 3/16/20 they changed their minds. I had made flight arrangements via Kiwi.com on Jet Smart to fly from Puenta Arenas to Concepcion then to Santiago. On 4/21/20 I applied for a full refund of $296.94 from Kiwi.com. On 11/08/20 I received a partial refund of $127.25 for the leg from Puenta Arenas to Concepcion. I have since been in contact via chat for the remaining $169.69. I have asked for a Denial Letter so that I can apply to my Travel insurance Co. for the remaining monies. They refused to do so and stated my request is in the Action Process. Please help. The time frame to apply for my travel insurance expires 6/6/21.