I cancelled a December cruise with Seabourn about six weeks ago. My TA said that Seabourn was saying that the refund would take two months. I have travel insurance with an independent company that covers financial default of the carrier. I also have Chase "insurance" as the deposit was charged to Chase cards.

My analysis is that there is no injury at this point under which an insurer would process a claim for damages. Seabourn is not in financial default and they have indicated a willingness to refund the money. So, I have not filed a claim.

Any thoughts about this analysis?