Originally Posted by Happy

You cannot use credit card dispute for service not rendered because you cancel the cruise, not the cruise line.

Chase "insurance" does not apply to your situation whatsoever. You may want to check the conditions on the Chase "insurance" on what are covered events - none apply to your scenario. Besides, financial default has specifically taken out from the covered event.

Your other insurance would not kick in until Seabourn default. That is probably your ONLY protection on the refund not materializes if it comes to that.

Also Seabourn is NOT making any refund on its canceled cruise - FCC is the only option. Wow.

Both Princess and Holland America at least offer the option to get 100% refund, with Holland America hides this option very well, and there is a June 1st deadline to submit your request.
Seabourn just flat out does not offer any refund. This makes Viking stands out in the luxury market going forward...

CCL itself, actually has issued refunds on canceled March and may even into April, sailings already.

I guess each brand under CCL is on its own when it comes to managing their cash needs. Seaboun obviously is the one has the most shortage of cash. Or it thinks its passengers would file credit card disputes anyway so not even bothers to play games.