Have you checked with your credit card agency.
They may be able to help you with the tour package money if nothing else. I would certainly challenge that charge under the grounds that I never received what I paid for.
I'd also try challenging the insurance charge as well since it's obvious they didn't deliver a service either.
One last observation for what it's worth, if the ports are more important than the cruise experience, it might be safer next time to plan a land vacation where you are in charge of where you go next.