In Canada, Manulife sells trip interuption that includes Covid. Other cruiselines - Silversea for example - say that if one cruises before end of March and one gets Covid, one can get FCC or refund. As well, if they cancel the cruise one can get a refund. What I like is their refund/FCC policies don't change based on Company policies and are based on the policy in effect for the dates when one travels when one books. For me, makes more sense.