My wife sustained a crippling injury one week prior to our departure on the Paris to Alps trip plus extra days in Paris. We did not have trip insurance. We contacted a couple who travel extensively and they were ready willing and able to go in our place. Viking refused to allow them to go in our place. We could not give them the trip that we have already paid for. Viking refunded us nothing on this expensive cruise. All was forfeit because of Vikings' heartless policies. We received humanitarian refunds from all our other reservations, Hilton, Avis, etc. that were not made through Viking.