Complicated Travel/Insurance Question...

[shburks]

I have been sick for a few weeks and have some inner ear issues going on--ringing in my ears, pressure and apparently fluid in the Eustachian tubes/behind my ear drum. Right now my family doctor says I shouldn't fly. I have an appointment to see an ENT on Wednesday afternoon.

I'm supposed to be flying out of Philly on Saturday (Jan 26) for a 4 N Dream cruise followed by a few days at WDW. Flying on Southwest. I have travel insurance. I could cancel if I had to but my husband is deployed and this was supposed to be a special trip for my son and I joining friends on the ship.

I'm looking at the possibility of the AutoTrain instead. Seats look limited on the southbound route, and I'm nervous it'll sell out. But I can't book the train yet since the cancellation policy is past and all I'll end up with is an evoucher.

Assuming I'm not allowed to fly, can I still use my insurance to refund the price of the airline tickets? I lumped airline, cruise, hotel everything together. Is there a time frame where I need to notify insurance company/airline, etc? This is all new to me and possibly won't be necessary but feel I need to be prepared.