Hi, my wife and I booked our very first cruise back a few ago. Our cruise is scheduled for next February for our 30th anniversary. Unfortunately, I just got diagnosed with cancer, with surgery and/or treatment probably taking place in the next 3-4 months. We did NOT purchase cancellation insurance...and honestly, don't want to cancel. If we are forced to, what possibilities do I have of getting refunded in this cruise, or possibly a future credit. Again, we do not want to cancel...but may not have a choice...