Heard from bmo mastercard . they denied my requestfor refund they said i cannot get refunded because i have a fcc with the line . Since i cannot use the FCC i put in a claim to my medoc traval insurance. i knew the deposit was non refundable but i thought due to health issues they may make an exception . If it was not an issue with my health that could be fixed we would accept the FCC gladley and book again when healthy . thats not the case . we cannot travel anywhere anymore . very sad