For all you wonderful Cruise Critic members who made comments on my insurance claim problem, I want to thank you all.I was able to get a full refund from AON. Making it short, with all the caps in my life the last few months, I did not cancel the cruise with Carnival. After talking with them they sent me an e-mail cancelling the cruise. Then basically AON reopened the claim with the new documents and approved the claim tonight by e-mail.