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Carnival Protection Plan question

Cruise/Travel Insurance - boards.cruisecritic.com
My flight was cancelled and I am unable to make it to FL. Carnival changed the itinerary and stated guests who do not wish to sail on the new itinerary would receive a future cruise credit in the amount paid. However, when I spoke to them, because I purchased the protection plan, I wouldn't be eligible for a credit and that I would have to file a claim. I waited until this morning to officially cancel my booking and have filed a claim.... if they do end up actually cancelling the cruise due to ports remaining closed, will Carnival refund or will I still have to wait for the insurance to process the claim?


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