This is best advice .
my husband decided he didn’t want to go on a cruise we had paid in full. I had help with the what to do. If I cancelled him even though we were paid in full I would of been charged more!! Remember we had already paid for two people . So a no show he got tips , taxes and port charges returned and basically I went for my fare and his.
it was a group cruise with family . We ALWAYS have insurance but he didn’t want to fly and so that didn’t come into play .