I had to cancel a cruise 6 days prior to sailing in March, 2020 due to a health reason that could not be resolved. When I called to cancel I was offered the option to reschedule 2 months later as I did not have insurance through Celebrity . Insurance was through credit card. As I knew this would not work as issue (now resolved) would not be resolved in that time frame, I could not accept. Little did we all know that our sailing on March, 2,2020 was one of the last complete cruises to sail prior to shutdown. Cruise ended on March 13, 2020.
If you have to cancel at short notice, ask if they do not offer.