Requesting a refund or future credit

I booked a 4 night, 5 day cruise through Pentravel leaving on January 30th until February 3rd from Cape Town to Walvis Bay with MSC Sinfonia and I paid in full for the trip. We saved for these tickets over many years and this would have been our first cruise. Unfortunately my 72 year old retired husband was then diagnosed with a serious life threatening medical condition on the 27th of January 2023 and his doctor advised him that he was unfit for travel and was seen in the George medi-clinic multiple days in a row to monitor the severity of his internal bleeding. He is still not cleared for travel at this time due to the extent of his condition. I have provided multiple detailed and executed doctors notes to Pentravel that has in turn contacted MSC with this information since January 27th and they are unwilling to refund or give me a credit to utilize at a later date since they are stating that he would need to be hospitalized?! This is an ********* and unacceptable way to treat your potential future clients and any business that operates this way, needs to either rectify the issue ethically and do the right thing, or be exposed and be known for their dishonest and ********** policies when unfortunate and uncontrollable events occur. MSC, your conduct constitutes an unfair business practice and I demand a refund for this error of judgment from MSC and look forward to a quick response and simple human understanding. Feel free to reach me on ***.