My first cruise, last December, ended terribly. My wife came down with COVID on morning 3, which happened to be Christmas Day, and got quarantined. My daughter and I tested negative, but were still isolated for the remainder of the cruise (in a downgraded cabin, I'll add). NCL never reimbursed us for anything... no specialty dining, no excursion refund, no beverage package refund, nothing. They even charged us for the crappy pay-per-view movies they told us would be free.
So what did I do when I got home? I scheduled a solo cruise for myself over spring break while everybody else was working/in school, had a blast, and then scheduled another cruise for this Christmas.
[Redacted] happens sometimes.