OP here . . . just for clarification: I am confident that my insurance will refund my entire cruise including air, minus insurance premium. I have 2 valid reasons to cancel so that's not the issue. My disappointment is that Princess was unwilling to move the booking. They would keep a loyal customer and make money off of us. They expected us to pay for another cruise in full long before we had our refund. So, no, we won't be cruising at all and if we do, might try another line. We will likely use the money elsewhere.