I am truly sorry for the inconvenience you have gone through. I appreciate your post, it is helpful. When the CDC dropped the Covid measures, I was past final payment for a cruise, and opted to cancel with penalty (even though the requirements were dropped, Covid is still around, and quarantine measures still exist).
Which cruise line is not important, my grain of salt is that the industry adjusted it’s requirements from a business standpoint. I will share my experience, I asked many questions before canceling. What I learned helped me in my decision. The cruise line has no responsibility once you are off the ship. Your insurance is key.
I hope your wife feels better soon, and that the insurance claim will go smoothly.