Disappointed in Norwegian

My husband and I had a cruise planned way back when this Covid started and the cruise was canceled.   We were talked into doing the Peace of Mind after being told we may not get a full refund otherwise. 

After almost two years of cruise cancelations, my husband and I just want our money back.  Our money has been tied up all this time and they Norwegian is saying we can't get our money returned it has to be a credit for a future cruise.   At this time we don't know when that will be due to Covid and feeling safe during a cruise. 

Please we are not rich by no means we just want our money back.