I too had refund issues with MSC. Like OP, I was also on Meraviglia in 2019 (YC 10 days to NE/Can). Had an amazing time (despite breaking three ribs and my shoulder the day before we boarded). Anyway, we booked a YC cruise for Oct of 23 in April. One of the ports was Genoa and my wife and I were going to renew our vows. Tried to log into my cruise and could not access it. Tried to search for the cruise on their website and it was gone. Called MSC and they told me my cruise was cancelled. I asked about getting a refund for and was placed on hold for an HOUR. Hung up, called back, and a different agent told me the cruise was still in place but it was hidden. I did not believe her and told her to cancel my cruise. She did but said because it was yacht club, it was non refundable. I told her there was no way they were keeping my deposit for a cruise over 600 days out when they told me it was cancelled. She promised me a callback from a manager (I never recd). Wound up disputing it with credit card company and got my money returned that way. Personally while the YC experience was amazing, I need the flexibility of getting a refund if I am booking this far out. Wound up booking a suite on Celebrity for Nov of 2023 (fully refundable deposit) Lastly, the cruise I booked on MSC is still not on their web page (I searched right before I started typing this novel lol).