I'm confused on the having insurance protection part for my trip. I paid to have insurance on my trips -- $169 for myself and $169 for my daughter. I did receive all my funds back since the trip had to be canceled due to COVID-19, (except for a few light fees....?? What is up with that?), and I DID NOT receive credit for the insurance protections. I'm confused on this part, because that actually goes out the window during this pandemic. I have insurance, but thousands didn't, and they get their trips refunded during COVID-19, so why do they get to keep my money for insurance protection when it shouldn't count during a pandemic! Totally confused and this is totally wrong and not right! Make it right WORLDSTRIDES! Refund us our trip insurance fees. THIS IS A PANDEMIC! NOT THAT I AM CANCELING ON MY OWN! User's recommendation: Do your homework always I guess.