add reason in the messages list for insurance refund json response

official/docs/responses/insurance/insurance-refund.json

@@ -129,7 +129,7 @@
     "charged": true,
     "refunded": false
   },
-  "messages": [],
+  "messages": ["Insurance was cancelled by the user."],
   "created_at": "2024-01-24T00:05:52Z",
   "updated_at": "2024-01-24T00:05:52Z"
 }