Refund for Europe tour postponed due to covid-19 and death of husband

My husband booked Europe tour package (Rs. 3,90,000/-) in last January'20 and we were supposed to go in march'20. but due to corvid issue, our tour got postponed. In March'21, My husband expired due to heart attack . He was struggling to get refund since cancellation of this tour. My husband death shook me so bad that I cant even think to go on tour with memories of my husband in mind. Travel agency refunding only 50% of total amount and giving 30% as a credit score. Deducting 20% as rescheduling charge without giving any break-up. I asked for 90% refund but agency firmed on his stand to give only 50% of total amount even if I cancel the tour. Seeking legal advise. Please help