Regarding insurance claims, a few points are in order:
1. Insurance companies, before they will issue payment for a claim, want evidence, as in written documents. They aren't going to pay out because you call them and say "we got stranded at a port and had to fly/drive to the next one." They will demand documentation.
2. In case anyone attempts to lie (for instance, to say something wasn't their fault, etc.), be aware that lying on insurance forms in order to get a payment you aren't entitled to is a felony. You don't want to get into legal trouble because the facts of the case likely wouldn't support your claim and you try to pull a fast one by making things up to appear more sympathetic.
When we had to cancel a vacation package in 2020 (including airfare and all-inclusive hotel reservations) due to Covid, the insurance company wanted LOTS of documentation: positive tests, original booking emails, copies of the reservation showing the cancellation policies, proof of our payments, etc. We had to document EVERYTHING. It took 2 months to get our money back, but I'm glad we had insurance.
I highly doubt OP is trying to do anything wrong, so this post isn't directed at him/her. It's just a reminder that the process of filing a claim, having it approved, and receiving a payment is quite complicated. It's much more than a matter of "we missed our boat and we want compensation."