Due to the government shutdown I had hotel bookings, which the hotel did not cancel. So taking initiative I asked whether they will cancel the reservation, which they agreed to and provided emails confirming that. However they would only offer me different dates and not refunds, since I wouldn’t be traveling to that area, I declined. Raising it with Curve, they claimed they cannot act on my behalf because the merchant didn’t cancel but I requested it. So in essence, if you request it they won’t pay out, but that is only because the merchant didn’t initiate it. So if the merchant just never cancels you reservation, you cannot claim because if you initiate it Curve will claim that you are not protected.
Be aware and shame on you Curve.