Q: My wife and I booked a trip for the whole family to celebrate our 50th wedding anniversary on the Norwegian Cruise Line Pride of America last summer. After that, we had plans to fly to Maui for a week, where we would meet our daughter.

We canceled five flights on United Airlines to Honolulu for the NCL cruise that was canceled. On May 18, the governor of Hawaii extended the state’s mandatory 14-day quarantine order through at least June 30, and later extended it to Sept. 1. So we could not fly to Hawaii at all without quarantine.

We filed a claim with Travelex, our travel insurance company, but have not heard anything back. United responded that our tickets were nonrefundable but offered us a voucher for future flights. I would like to get our $10,112 back that we spent on our plane tickets instead of a voucher. Can you help?

— William Boucek, Frankfort, Illinois

A: United Airlines should have refunded your tickets. You canceled your anniversary cruise to keep your family safe and because of government quarantines. The airline shouldn’t punish you for that by keeping your money.

Your travel insurance company also might have helped you, depending on the type of coverage you had. Specifically, a “cancel for any reason” policy would have allowed you to cancel your cruise for any reason and receive anywhere from 50% to 75% of the cost of your trip refunded.

The good news: It looks like NCL refunded your cruise fare. That was the right call since it canceled the cruise.

Airlines treated pandemic-related cancelations no different than other cancelations. If the airline cancels, you get a full refund. If you cancel, you get an expiring credit. It doesn’t matter why you cancel — your reasons might be excellent. You still get a credit. I disagree with this; I think that if you cancel your trip because of a government advisory, the airline should offer a full refund. But it doesn’t have to, at least under current law.

I list the executive contacts for both United Airlines and Travelex on my consumer advocacy site at www.elliott.org/company-contacts. You might have also reached out to one of them to make sure they didn’t overlook anything.

But in the end, resolving this case came down to patience. It turns out Travelex was processing your claim, along with tens of thousands of others. And in the end, after four months of waiting, the travel insurance company cut you a check for $10,112.

No one wants to wait for a refund, and frankly, no one should have to wait. But these are challenging times, and unfortunately, it takes time — sometimes a lot of time — to process everything.

If you need help with a coronavirus-related refund, please contact me. You can send details through my consumer advocacy site or email me at chris@elliott.org.

Christopher Elliott is the chief advocacy officer of Elliott Advocacy, a nonprofit organization that helps consumers resolve their problems. Contact him at elliott.org/help or chris@elliott.org.