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What to do regarding reimbursement from a cruise company for an unused insurance premium?

Question Details: We took a and land sea trip with a cruise company. At the end of land trip, the company canceled our river portion due to engine problems. We are negotiating with them on reimbursement. We have settled settled except for prorated reimbursement of our travel insurance of $1900. They say travel insurance is non-refundable and could possibly be illegal. They are not affiliated with insurance carrier. To us, they cancelled the cruise and we should reimbursed for the unused $1900 portion.

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