I understand that since we cancelled under the peace of mind, we get the future credit. That is ok, we still have plans to go. But, now they cancelled our cruise, we still get the credit. What I don't like is that the excursions are also under that credit, no refund. If we don't spend the same amount, we get another credit, so it would be lost? They should refund everything added, only the cruise itself should be credited. Sheesh.