In Feb 2020 we booked an Alaskan cruise for June 29, 2020. We paid $6190.26. In March everything changed when the pandemic struck. Our governor issued a stay at home order and the CDC issued a do not cruise advisory. On March 30, 2020, I called and cancelled our cruise. The agent had no empathy for our fears, never suggested for us to be patient and informed us that we would be refunded 75% of our money OR be issued a 100% future cruise credit. Regrettably I accepted the credit. Shortly after, ALL cruises were suspended. I applied for a refund but was denied. (cruise credits were then offered at 125%) One agent suggested I file a claim with the trip insurance co. Even though both my primary care and cardiologist stated that I should not cruise, the insurance co. denied me. (My wife and I are both in our 70's with health issues.) I have contacted two of the Norwegian executives along with numerous emails to their guest relations site. The latest was when refunds were offered to those that had cancelled and then were suspended from another cruise. My wife and I had watched NCL site all of last year and each time we considered rebooking the suspensions kept occurring. Currently NCL will issue refunds 60 days prior to boarding. We had cancelled 90 days prior! At this point we are done with cruising. I only want NCL to refund our monies and cancel our credits. At this point, NCL is the only company to not refund us. United Airlines, Alaskan tour & travel, Inlet hotel & suites, Air Canada and even AIG have ALL refunded our monies. Why??