Still working on getting refunds. United refunded ticket costs to TA, Cunard refunded some costs to TA, will deal with Travel Guard for other costs. United gave $400 per person for future travel.
Have booked passage on QM2 transatlantic in late August and have learned our lesson. Flying Delta non-stop MSP to LHR and spending two nights in Southampton before sailing Should give us a margin of safety.
Thanks to everyone for discussion.