Pre-pandemic we were packed and set to leave on a cruise when the day before we were to leave, my husband came down wth the flu. My daughter's family had the flu and were passing it around, and we took the 6 month old baby 4 days before, all of us hoping he would not get it. He got sick and my daughter took him home. The doctor the next day told her the baby had the flu, and to have her Dad, who was coughing, go to the doctor and see if he had the flu. This was the day before we were to leave. He went to an ugent care and they tested him and told him he had the flu and should not go on the cruise. I called that night and I canceled the cruise. We had the ship's insurance and they gave us the number to call them. I called them and they e-mailed me the forms. We filled them out and about 3 weeks later, we got our money back except for the insurance.