Booked on the fantasy for New Year, Paid about half of the amount so far the rest is due Oct 8th. If I decided not to go and cancelled prior to Oct 8th would I get a refund of what I have paid so far? I believe CM who booked this for me when we were onboard said that we could cancel and get a refund up to Oct 8th but after that we would be in penalty phase. We never took the insurance out because By the time Oct 1st comes around we will know for def. if we will be able to go or not. Just wanted clarification really.