You fly in to MCO the day before your cruise. You stay overnight at a Disney resort. Next day you take a car service to the DCL terminal for your DCL cruise. Then someone in your group tests positive at the terminal and now your group can't embark. You have travel insurance. What happens next logistically? Your flight home isn't booked until after the cruise. You have no place to stay. You have no transportation from the terminal (though I think Disney will get you to the airport). Please no responses that involve quarantining somewhere.