If your agency had purchased the Royal Caribbean insurance, you would have received a future cruise credit of 75% of the non-refundable value of your
Cruise Vacation.
From the Royal Caribbean web site....
In the event that you choose to cancel for a reason not authorized above or for a reason that is otherwise restricted, at any time up until departure, and you have purchased CruiseCare, Royal Caribbean International will provide you a cruise credit equal to (the amount) prepaid to Royal Caribbean International, for your use toward a future cruise. This additional enhancement is offered exclusively by Royal Caribbean International as a special service to guests that purchase this cruise ticket Cancellation Penalty Waiver Addendum. Certain restrictions on the use of these cruise credits (such as blackout periods) may apply. Credits are valid for one year from issue date, are not transferable, and have no cash value. To be eligible for credits, notification of cancellation must be given to Royal Caribbean International prior to the ship’s departure.
Aside from a cancel for any reason policy, most outside insurance did not cover the volcano issue. It covers you if your home is destroyed by a natural disaster but not if your flight is cancelled because of one.
Most agencies try to sell outside insurance for two reasons.
1) Most cover 100% of the cancel penalty in cash, not future Cruise Credit.
2) Outside insurance has a very high profit margin, cruise line insurance does not.
Sorry you missed your cruise, good luck in court.
