I called about the Covid thing because im traveling with my 6 year old and you never know, they said its on a case by case basis but is typically either a refund or they book you on a future cruise.
They also said basically anytime from 14 days of sailing if someone develops symptoms or tests positive to call and theyll work with you.
i was required to purchase insurance for the child, so with the rate being so cheap as is, i just purchased the disney insurance for all of us also anyway. I really felt like after calling them that theyre taking things slow, trying to do things as safe as possible, and being very flexible and accomodating to things possibly happening.