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If you cancel a Viking cruise with prepaid TripMate, we have been able to export the coverage to a newly booked Viking cruise. If the new cruise cost more, then you will be charged the premium difference to ensure adequate coverage. We just did this through our travel agent a second time with no issues. It you cancel and don’t rebook, it is a sunk cost. If you request applying the insurance premium to another existing Viking cruise, they won’t allow it. But if you book a new Viking cruise, there is plenty of precedent they will apply the premium paid against the new cruise insurance policy. They will do the same thing with future cruise credits.