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Testing and cruise cancelation insurance


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Trying to sort out the travel insurance question. If we are sailing on Saturday, and on Thursday we test positive with the RC at home test, what are the options? If we don't have travel insurance,  do we lose our money? If we do have travel insurance,  does it cover cancelation due to Covid?

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Royal currently has some excellent policies. If you test positive before the cruise, you get a full refund.

If you test positive during the cruise, you get a pro-rated refund. Any medical and transportation costs are covered as well. 

https://www.royalcaribbean.com/faq/questions/if-i-test-positive-for-sars-cov-2-what-is-your-refund-policy-and-costs-covered

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