ChiefMateJRK, to be honest, we had a very sick cat who we thought was dying. I was very honest with them, sent them copies of vet bills too. They probably got a good laugh out of it, I knew it wasn’t a good claim. But anyone who has furry family members will understand, he was more important than our cruise. We are very lucky that he’s better & back to his old self. So, instead of a refund we got an FCC, which was fine, a percentage of the total, of course. There will be many cruises in our future, I’m sure!