Sunriver/Bend, Oregon was hot and humid. On the coast, it was cool, foggy, and much like I remembered it when I was a youthful pup taking my vacations by travelling up the California, Oregon, and Washington coasts, in my 1969 VW Camper!
The insurances always have some clause or other to get out of paying more than they have to. As long as you get the cost of your cruise and airfare back. Put the rest down to a bad experience and move on. Life too short to worry and fret.
Too much worrying will give you wrinkles!