In my opinion if you don't use the product (the cruise) then the full amount of your cruise fare should be refunded or a new cruise should be booked free of charge. Travel Insurance or NOT. If the cruise line doesn't have to refund the money or supply a new cruise, when they deny someone from boarding, then what is to stop them from overbooking the ship then denying certain people boarding. Think of the extra money they could make. :o If a product or service is rendered I would feel different in this case you paid the money and receive no product or service. As far as airfare or pre-cruise hotel I don't think you can get the cruise line to cover that. Plus you received the product/service. I also think the cruise line will be more willing to book you a new cruise of same or less value then they would issue you a refund. Good Luck I hope it works out for you. Please let us know.