I apologise in advance if I sound hard.
First of all my sincere condolences on your loss.
However, you had a contract with Princess which you broke; therefore Princess are entitled to compensation.
I would go further, I would not allow anyone on board a cruise ship unless they had adequate insurance.
Over the course of a year, this board sees many similar posts.
My puzzle is why don't people buy insurance - trying to save money?
If you can't afford the insurance DON'T CRUISE!