Kulula - what a dissappointment

I had to cancel my air ticket due to unforseen circumstances , luckily I thought I was clever enough to take out Cancellation Insurance for my tickets only to find out that the cancellation only comes into effect if the flight is cancelled by Kulula , I was not happy about that because at the time of obtaining the cancellation insurance one has absolutely no access to the Policy . I cancelled the airticket under : ID number for the query 54935 . This cancellation was done on the 06th February , on the 08th April I again queried the refund only to be informed that there is a back log , it is now a month later and still I aam waiting . This is absolutely **** service from Kulula . They will not see me again on their flights due to the misrepresentation when the cancellation policy was obtained and because I am now waiting 03 months for my refund . Apalling service