On January 22, 2020 my wife and I booked a Viking River Cruise for Portugal's River of Gold on the VIKING OSFRID (Cruise OSF200818T), Booking # 5912671 which was to take place August 15, 2020 through August 25, 2020. On June 8, 2020 Viking notified us that the cruise had been cancelled so we ended up rebooking for the following year for August 14, 2021 through August 24, 2021, Booking # 6055477. During the rebooking process I was informed that I would need to buy the travel protection insurance again if I wanted it because when I purchased it for the original trip that was cancelled the insurance was also cancelled. I told the person that it wasn't my fault that the trip was cancelled and the money I spent on the original insurance should still apply to the rebooked trip. Well after a bit of back & forth discussion I ended up buying the travel protection insurance again (still did not make sense). On June 24, 2021 we received an email from Viking stating that the cruise was a go. However, there was a new requirement that "all guests must be fully vaccinated at the time of departure." Well we are not able to meet this requirement so since I bought the travel insurance for both of the cruises I figured it would be no problem to cancel and get my money back. When I called on Monday June 28, 2021 to cancel the trip Leah the Viking representative said that I could not get a refund but they could issue vouchers that are good for 2 years. Well, since we still will not be able to meet their vaccine requirement in the future, the vouchers are useless to us. I explained that I purchased the additional travel insurance so why am I not able to get a complete refund? Leah explained that when they rebooked us for August 2021 they issued vouchers and from that point on we are not able to get a refund. This was never explained to us at the time we rebooked. If it had been clearly explained at that time I would have claimed our refund back in June 2020. Leah said to call Tripmate, the Insurance company and file a claim which we did on June 28, 2021. We are very disappointed and upset with Viking. They have changed their requirements which will not allow us to travel with them, they have held on to our money for over a year and now they refuse to give us a refund! I want a full refund. I believe that Viking's actions regarding cancellations and re-bookings are definitely deceptive and unethical (if not illegal).