In June of 2020 we had a cruise scheduled. it was cancelled due to Covid. I rescheduled it for May of 2021.That cruise has now been cancelled. Due to health issues ( not being able to walk long distances anymore do to back surgery years ago. it has been progressively getting worse .) I want to get a refund. This has been paid in full since January of 2020. I have paid $ 21052.00. Trip insurance cost was $ 1638.00 and is included in the first figure. They have only offered me a refund of $ 12,092.00. I think I'm entitled to more than that. original transaction date 2018-10-18.