Thanks for all the replies!
We do not really have a travel agent, we normally make our own reservations and such so contacting a agent won't work for us.
Last year we booked an Alaska cruise for May of this year and was talked into buying insurance through CCL. I had Surgery in January and we decided that we would cancel our Alaska trip so we did it far enough in advance that we received a full refund but not the cost of Insurance, so contacted our rep from CCL and he told me to contact the insurance company which is Berkeley Care Insurance @ (800) 331-2796 which I did and they sent me 4 pages to complete and then return them plus Doctors statement . Needless to say, it wasn't worth my time so lost the premium paid.