Holland America Line review: Unfair remimbursement

Our cruise included airfare. Due to flight cancelations and delays, we were at port on Sunday by 3:30 when ship was to sail at 4pm. Caption would not let us board. We were left in ship terminal with no transportation or hotel accommodations. Found our own transport and hotel. Finally, HA made flight arrangements out of Vancouver for Monday to Seattle then from Seattle to Ketchikan. Minimal luggage and every time we boarded a plane we had to pay luggage fees. Arrived in Ketchikan. No coats, rain gear, extra underwear. Purchased
at trading post prior to boarding ship at 7AM in Ketchikan. We spent $1039.29 out of pocket expenses prior to boarding the ship. Also mist a day and one-half of cruise. HA has only offered a refund of $546 and now refuses to respond to any emails explaining how they arrived at that figure and why they are not refunding the entire amount or giving us credit for part of the cruise we missed.