Long Time No Cruise - 1st Time Celebrity

[LandLockedInAZ2]

Hi all,
Very basic question ahead. Sorry, I've searched for quite awhile and can't see the answer I need. 
I've never sailed on Celebrity before and it's been over a decade since my last cruise on any line, so I'm a bit rusty. 
Reading the Cancellation Policy on X, I don't see details as to whether a cancellation after final payment = complete loss of funds or if future cruise credit is available. 
I'm willing to buy Cancel for Any Reason insurance, but I'd rather not spend the extra $$$ if future credit would be available. 

Thanks! 

[39august]

No future credit if cancelled after final payment. 

[LandLockedInAZ2]

4 minutes ago, 39august said:

No future credit if cancelled after final payment. 

Thank you