I only got my money back that I paid extra on the cruise I canceled. The large voucher money is gone. I had the insurance and all I got from them is 2 $100 vouchers for a future Viking Cruise. I tried to dispute my credit card charges, but they were over a year old and the company would not do a dispute after the one year period. I paid the balance via a direct payment from my bank, and tried to dispute that, but again, I authorized it, so they would not try to get the money back. In all, we are out the money. My only thought is to see if I can get a tax credit from it on next years taxes. Will NEVER cruise with Viking again.