I had a cruise in March cancelled ...so far have only received a refund of over £1,000 for the excursions I booked (it was going to be a once in a lifetime thing ...the Arctic, with helicopter flights, etc etc ….and another in July across Russia which I was asked to pay in full (over £4,000) they must be joking and I told them so ! Russia has said it is going to keep its borders closed for the foreseeable future, so no one will be going ! I know this could be said that I am in breach of contract if I don't pay …..so tell me, if the borders are closed and the tour operator is unable to fulfil its part of the contract, it is not my fault !! Also lost out on Andre Reiu in Maastricht and two concerts in the UK ….I am NEVER going to book in advance again ….did manage three one week breaks to Andalucia (awful place !) but nice hotel ! one to Cologne, and another to Prague …...I booked Friday, flew on Sunday ... late booking, no single supplement which makes a change !!!! I am now waiting to see if I will get a refund for the other trips ...apparently travel experts say you are NOT obliged to take a voucher ...and as I pointed out to the travel agent (working from home) if the over 70's are to be incarcerated for much longer and my annual Ins (which I paid over £1,000 for and is up for automatic renewal in October ) has new wording which I don't find acceptable, I shall not be going anywhere ! I booked all these as it may be my final chance to travel for various reasons …...luckily I bought a caravan to escape my first floor retirement flat ….but now I can't even go there ...and the garden here is out of bounds !.... shame I'm not an MP who can be chauffeured to my 'country estate' ...one law for some ! ps ..don't cancel before your tour co or the British government advises against travel to certain places or you could be classed as having 'a disinclination to travel' in which case you get nothing...