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Cancelling Carnival Cruise Question

So I’m just over 30 days out of my sail date with Carnival, but due to a couple of things that popped up, this may overlap with the closing of our new house and may have to cancel. Right now, I’d have to eat about half the cost I paid, however I saw on their site they offer “Vacation Protection” for almost 1/4 of that cancellation cost. It looks like on their website I can just add it, but they told me over the phone that it’s too late apparently. Is that true? Part of me thinks they are just

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