We are wanting to go on a disney cruise the 2nd week of july. I won't know till late feb early march if i can get that vacation time, or if i would have to go for a later of earlier time. How does DCL handle it if you book ahead of time and can't go, or have to change the cruise dates? I know there is insurance you can get, does this cover not being able to go or just emergency reasons. Thank you in advance.