Update by user Jul 26, 2020 I did receive $858 of my $1150. VERY disappointed that Carnival kept $100 cancellation fee along w/my cancellation insurance of $178! Thought that is WHY I pd/bought $178 extra for cancellation insur was to protect my $$ if I had to cancel. I knew I'd lose $178 I pd for cancellation insur but then turn around & charge me $100 on top of that! DOESN'T MAKE SENSE CARNIVAL!! Original review posted by user Jun 25, 2020 I had reservations for Dec. Cruise but because of current medical issues, I called and asked that the $1108 I had already paid be transferred to cruise credit on future cruise. I was told I COULDN'T do that. I could only CANCEL, thus costing me $258 out of the $1108 and I'd get refund, I even pd for the extra cancellation insurance!!! This is MEDICAL issue and I should have been able to transfer to future credit since my cruise date wasn't until Dec!!! User's recommendation: Get it in Writing!