My family of 4 currently has a deposit down on the July 1, 2020 Disney Dream Castaway Cay double dip cruise. Our final balance due date was moved out to 4/30/20. We have a question regarding cancellation as this will only be our 2nd cruise. Disney said that if we cancel now we'll lose our deposit around $1100. We have the Disney insurance. My question is related to cancelling closer to embarkation. If we wait until the week before, I think the cancellation fee would be 100% of the cruise cost (~ $5800 without the cost of the insurance ~$450). However, the insurance says that we could get a future cruise credit of 75% of the cancellation fee. I interpret this amount to be ~$4400. Thus, we would be out ~$1400 plus the insurance cost. I think the risk of waiting to cancel until later would only be difference between the deposit and this credit amount (i.e., ~$300 plus insurance cost). Is this an accurate interpretation of this information? There is also the chance that Disney might cancel, so this might all be irrelevant. We would appreciate any insight that anyone can provide during this strange and difficult time. Stay safe. Thanks.