FCC versus cash refund
I have had a similar situation. I had trip insurance and did not have to go because the country we were going to travel to was level "red" on the State Department website. The cruise line wanted to give me a FCC and I said "NO". You do not have to accept FCC. If you take it then you can't file for a claim through either your credit card company or your trip insurance. We did get money back but it was through travel insurance not through the cruise line. I had to send them a letter in writing saying we would not accept the FCC and they withdrew it which allowed me to file a claim with my trip insurance.
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