Sorry to hear of all your troubles with NCL as well as the insurance company. However, I am glad to hear that this doesn't change your mind about cruising. It sounds like the incident the Dawn had was a rare incident, and for other members and passengers, they shouldn't let something like that change their mind about cruising.
I think as far as what NCL did, they did the right thing in refunding 100% of your original cruise, and a 50% discount off of a future cruise with them. Hopefully you'll find the time to use the credit, maybe next year?
2007 - Majesty of the Seas (Bahamas)
2009 - Enchantment of the Seas (Western Caribbean)
2010 - Freedom of the Seas (Western Caribbean)
2013 - Golden Princess (Alaska, roundtrip from Seattle)