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How do you cancel a cruise last minute?


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We have a situation where one of our cruise party is having a flareup of a fully non-contagious, non-life-threatening medical issue, that might be enough of an issue that we can't go.  We will not know until 72 hours before our flight next week if he can go on the cruise.  If he stays home, I do, too.  We are insured.  I was just wondering if anyone has had to cancel their cruise before without the whole Future Cruise Credit thing.  I know we would not get a penny back from RC, but I'm wondering if there a way to do this anyone has found that puts us in the best position when it comes to insurance claims.  Thank you.  

Hopefully this post won't be needed but being prepared makes me feel a little bit in control.  🙂  

The others in our party would still go.

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