Janessa

I am having to cancel my cruise due to COVID symptoms and am going to a doctor tomorrow. I was going with Girlfriend and her family. Me and my GF are booked a too together. My GF still plans to go. We have reached out to the travel insurance company and have started that process. But when we called royal Caribbean we were told we would only be refunded taxes, fees, and gratuities. Does anyone know how this works?