It was non refundable and I was fine with that. Then fast forward almost a year but before final payment I chose to change to another cruise and was told at that time I could NOT ever get any protection plan with HAL. All I have to say is other lines under Carnival corp do not have this rule.
Hal has many promos and HAL when making changes, how convenient they assign a new booking number which alerts the system and new rules replace the rules you had before.
For me HAL has odd booking practices and are very sneaky so I won’t ever sail on them. Protection plans are an add on.