I don't think you can just change your mind about travelling once your balance is fully paid so you lose the 100% of monies paid. Not sure that Future Cruise Credits are available any more. Perhaps others can advise.
Regarding testing positive for Covid -
1) Depends on the terms of the contract and whether you are in UK or USA (may be different rules and regs,)
2) You will need travel insurance which covers Covid. Most insurers appear to want proof of a Positive PCR test.
but If you get Covid you are not allowed to see the doctor so how do you prove it for the Insurance company?
Happy to be corrected ....
