Q: My husband and I planned to go on a Princess cruise this fall. He has esophageal cancer, but his last chemo radiation was at the end of 2015, and his doctor deemed him medically stable to take the trip.

Unfortunately, at the end of October, right after we paid in full for the trip, he had what we thought was a stroke. At the same time they checked a tumor under his arm, which turned out to be cancer, and now we have found out that he has brain cancer.

We canceled the trip. Neither of these symptoms was pre-existing, but our insurance company is deeming them pre-existing conditions. Princess has offered us vouchers for a future cruise. Unfortunately, he has been given six weeks to live.

We had a cruise agent with Princess, whom we were very upfront with, and we did exactly as she advised. She knew about the previous cancer. Now our e-mails are not being returned. My husband will be gone and unable to use a voucher. We could use this money for the burial instead. Can you help us get our $7,626 back?

A: I am so, so sorry this is happening to you. Your travel agent should have helped you and your insurance company should have processed your claim, and if it didn't, then Princess should have refunded your cruise as a compassionate goodwill gesture. Instead, your insurance company squirmed out of its obligation and the cruise line offered you a voucher it knew you couldn't use.

On a personal level, I'm saddened by your circumstances. For you and your husband, this was a bucket-list cruise, a final vacation together. To have it end like this is really heartbreaking.

You did everything you could to protect yourself. You worked with someone you believed to be a reputable travel consultant, bought insurance that you thought would cover you and booked a cruise with a company with an excellent reputation.

But let's break down each of those failures. It's not clear what happened to your travel agent, but you obviously were not dealing with a competent one. If you were, then the insurance you purchased would have covered your husband's pre-existing medical condition. Also, the agent wouldn't have left you high and dry. To avoid connecting with a bad agent, consider working with an accredited travel adviser. The American Society of Travel Agents has a helpful agent finder on its site: web.asta.org/imis/travelsense.

Although Princess was under no obligation to refund your cruise, I asked it to review your case one more time. The cruise line agreed to refund the full amount of your vacation on compassionate grounds and in the interest of good customer service. I hope this will bring you some peace during a difficult time.

Christopher Elliott is the ombudsman for National Geographic Traveler magazine. Read more tips on his blog, elliott.org, or e-mail him at chris@elliott.org.