We are thinking about taking a cruise in May of this year, but the posts about Covid cancellations are concerning. The policy states that you can get a refund if you "[h]ave had known exposure to a person with COVID-19 within the previous 14 days." How does one prove that (or any of the other circumstances like fever)? If the policy is as open as it seems, that does alleviate a lot of the concerns about losing money due to a positive (or possible positive) test.