There may be a misunderstand here... cruise ships will take some responsibility for helping you to re-book if you booked a flight and cruise package. (The flights are consequently significantly more expensive). The cruise line may have been saying they can't help with getting the flight rescheduled. However, if you saw the ships doctor, you are entitled to get documentation of that, and the cruise ship cannot deny it. You are legally entitled to copies of your medical records.
If the Insurance Company argues that the documentation is insufficient, you may wish then to take it up with the insurance regulator. Insurance companies are better regulated than airlines, who are a law unto themselves and you may find this is a more fruitful avenue to try.
Spirit are not interested in customer care. They are interested in "piling them high, and selling them cheap". ~ They will not help you and don't care if you never use them again. Their model is based entirely on a demographic who will always buy the lowest priced service, regardless of their experience. If you are not in that demographic they are not interested in you.
The pay "$10 for nothing deal" anomaly is because theorectically they were applying the fare you paid to the new fare, but then charging you a the higher fare and a change fee. On top is the $10 charge to process this, which was added on top. The truth is, the customer service agent is not too bright and is proof that common sense is not that common. You did not have two options.. you had one, but his computer said different, so like the automaton he was trained to be, he read it out. This is common in both legacy and low cost "customer service" departments.
The are only two things you can do:
Pursue the insurance route and the next is never fly Spirit again, and mean it.
(For more information on the Spirit approach to customers, google Michael O'Leary of Ryanair. He is the CEO and the pioneer of the hostile but cheap approach to marketing and is open about it. It makes a fascinating read and you will find Spirit are adopting a similar approach).
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