Always a good idea to read and understand the terms and conditions. I've extracted some relevant information and highlighted in blue.
http://disneycruise.disney.go.com/terms-and-conditions/
Cancellations/Refunds
Cancellations may be made by telephone or in writing. Changes to the vacation commencement date or changes of guest names will be considered cancellations.
For cancellations, amounts paid, minus cancellation fees and other amounts owed, will be promptly refunded. No refunds will be made in the event of interruption or cancellation by the Guest after vacation commencement date. All appropriate refunds will be made directly to the Guest's credit card account or through the Guest's
Travel Agent if the reservation is made through a Travel Agent.
Disney Cruise Vacations is not responsible for the receipt of refund monies by Guests from their Travel Agents. When applicable, monies are refunded based on exchange rates at the time of cancellation, not the exchange rate at the time of payment. All travel documents including airline tickets must be returned before refund processing can begin. Certain Travel Agents may withhold an agency cancellation fee.
Disney Cruise Line reserves the right to restrict any changes to a reservation. All changes are subject to availability. Please note that changes made to overall party size may result in a change to the rate. For your peace of mind, we recommend the purchase of the Vacation Protection Plan. Premiums for the Vacation Protection Plan must be paid by the final payment due date, and the Vacation protection Plan is not effective until final vacation payment is made.
Cruise Cancellation Fees:
For 2009/2010 Cruises Less Than 10 Days
For Post-2010 Cruises Less Than 10 Days where Embark or Debark is U.S. Port
Days prior to Vacation Commencement Date Fee Amount
45 days or more Deposit per Guest for Suites/Concierge staterooms
74-45 days Deposit per Guest for Non-Suites/Concierge staterooms [You lose your deposit if you cancel within 74 days of sailing date]
44-8 days 50% of vacation price per Guest
[Cancel 44-8 days before sailing and you lose 50% of your vacation price]
7 days or less No refund
[Cancel within week of cruise and you lose everything.]
Air Cancellation Fees:
Any changes or cancellations to your Disney Cruise Vacations air arrangements (including, but not limited to, sail date/air travel date changes and name changes/corrections), will result in cancellation fees assessed as follows:
Domestic Air Cancellation Fees
Days prior to Vacation Commencement Date Fee Amount
74 to 45 days $50 per Guest
44 to 31 days 50% of the air supplement per Guest
30 to 0 days 100% of the air supplement per Guest
International Air Cancellation Fees
Days prior to Vacation Commencement Date Fee Amount
89 to 45 days 50% of the air supplement per Guest
44 to 0 days 100% of the air supplement per Guest
Domestic air cancellation fees apply for sailings where both the embark and debark port are in North America. International air cancellation fees apply for all other sailing itineraries.
Hotel Cancellation Fees
A cancellation fee in the amount of the total hotel cost for all nights reserved will be assessed if a hotel reservation outside of North America is cancelled 14 days or less prior to arrival date. A cancellation fee will be assessed if a hotel reservation within North America is cancelled less than 5 days prior to arrival date. Please contact Disney Cruise Vacations for details.
Service Fees
Changes to a reservation may result in a per Guest service fee. Please consult your Travel Agent or Disney Cruise Vacations for further details.
[DCL doesn't usually charge any cancel fees, but DVC and other travel agents might]
)
) and that is where I got the idea that you were not to get any money at all back. 
thanks! 
