Okay, here's the update. Our TA (big well known company who will remain nameless at this time) has just gotten back to me with the results. RC is still standing by their "we should not have received coupons in the first place" . Our TA company has decided to pay the amount of the coupons and book us on our caribbean cruise and they will fight RC themselves for the money. The TA company is going to contact the insurance company who also delt with RC about this screw up as that is why you buy insurance in the first place. So I am packing a bag going on my first cruise and hope everything else goes well and I just hope our names on the cruise are not "red flagged" as problem travellers. Thanks to everyone who responded to my posts as you gave me a lot of insight.