If you have travel insurance you can file a claim to get a refund based on the insurance provider's terms.
Hyatt Ziva Cancun will not provide a credit or voucher for future travel if you arrive after your scheduled arrival date, if you check out early, or do not travel on the dates selected for this reservation for any reason.
Bohemia Wedding Travel is not an agent of Hyatt Ziva Cancun and has no governance of their refund policies and other mandates.