My mother-in-law (97) just broke her leg and so we are cancelling a Viking cruise. The company is telling us that because we paid for the cruise with a voucher that they gave us from a cruise that they cancelled because of Covid - because we used a voucher - we do not get a future voucher, or a refund. Their cancel for any reason does not apply because we booked the cruise in 2022 and were traveling in 2023. They also say TripMate will not cover the $20,000 because we used a voucher. So, Viking says they can keep our money even though they will never have delivered a travel experience to us. Any suggestions?