Jackio, did you buy points protection up front or just pay the fee when you canceled? I sometimes buy it up front but if I don't have to, and then only pay the fee when canceling, that would be much better. I hate wasting money. Your Chase card would probably cover that fee as well.
The only time RCI refunded my exchange fee was when we had to cancel a last-minute trip because my mother-in-law was hospitalized and then went into hospice. She died a week before our trip. I hadn't bought points protection or even travel insurance for the trip when I normally get it for every trip. RCI, Jet Blue and even Ticketmaster (we had $2k worth of US Open tennis tix that they actually refunded since a death was the reason we couldn't go) were amazing. All of them had policies that allowed for no penalty if a family member dies.