Thanks for the forum replies here. Some good advice. Sadly, at times -during numerous phone calls- I've called in and they just assumed I was my Dad. I just went with it. And I used myvikingjourney, but I tried to get my parents to use it, and they just weren't app savvy. I do appreciate the feedback. Sadly, now it's worse...
Specifically, after being encouraged yesterday by Viking to cancel the reservation because 'I was fully insured' (and probably so Viking could resell the room - look for an Octantis discount on 21JUL), now I'm told I'm totally insured, but for $0 in coverage. Specifically, declaring my parents 'no COVID vaccination but a doctor's letter situation' upfront, I was encouraged by the Viking sales rep to buy the 'top level/"cancel for any reason" insurance. The COVID policy had not changed then and it was clear, so I rescheduled the original cruise early last year, and was told I could rebook the exact same cruise for next year (this year), with everything being the same - insurance included. Everything was not the same in terms of their booking/flights alone, but that is a different story. More importantly now, I'm told I will 'receive $0 (ZERO) back at this point, because although I paid $16,000+, including the insurance (and was told I was covered yesterday, by Viking), the cruise had to be rebooked with a voucher, and when it was rebooked with a voucher, the voucher value was $0 dollars.' Thus, I was sold an expensive "Cancel for any reason" insurance policy by Viking, which actually on the claims form lists a lot of reasons why you can't cancel, and $0 in actual coverage/credit with any rescheduled trip, in spite of what Viking said earlier about 'everything would be exactly the same on the rescheduled trip - including the coverage.' I said on the phone today, that's what I call fraudulent. Again, Viking's new story today (It varies from day to day) was I will get nothing back, and I had to cancel immediately for Viking to even look into my situation, or Viking wouldn't even offer me that. I said I thought Viking just wanted the cancellation so Viking could resell my parents' room. I was told to 'cancel now, or nothing' - which is still the possibility of what Viking tells me, in up to 5 days, when I'm told I'll get an email reply. I'm guessing that will be the outcome here, but I'll gladly post if/when Viking does the right thing. Again, thanks to you all for your feedback and support.