Why can't you make other plans? It's looking pretty clear that your cruise might not happen in October, so what's stopping you from being proactive and making a Plan B or even a Plan C or D?
Is your only vacation option a
Disney Cruise in Concierge? Or can you make some (refundable) deposits/reservations somewhere else?
We've altered so many plans during this pandemic, it's not even funny, but we are doing our best to roll with the punches and be flexible. We already have a Plan B set up for our messed up vacation at the end of this month, and Plan C is already reserved as a backup, just in case travel restrictions increase or something happens to the Plan B plans.
Our Sept cruise that was cancelled is now just a resort stay, and we're working on a Plan C in case we don't want to go to Florida by Sept.