Not sure exactly what question you are asking however this is on the website:
Covid-19 Assistance
Book any Celebrity Cruise that’s sailing between now and April 30, 2023, and you’ll have the following reassurance at no extra charge:
100% cruise fare refund for you, and your Traveling Party, if any of you tests positive for COVID-19 within 10 days prior to the cruise or at the boarding terminal.**
Pro-rated cruise fare refund for anyone who has their cruise cut short due to testing positive for COVID-19 or being suspected of having COVID-19 during the cruise.
I am guessing that if you have to cancel for any other reason, it is up to whatever travel insurance you have to cover the costs of cancellation. If you are talking about medical care I always assumed your personal insurance would be required to cover it or pay out of pocket.
One thing that I hope is only a glitch, if you click on terms and conditions, they state that the cruise has to sail by this November, 2022.