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Cancellation fee vs cruise credit

Greetings! My wife and I are scheduled to take a cruise this December, however we just learned we have our first baby on the way! Our cruise is scheduled to sail through and dock at areas with known Zika outbreaks. Naturally, we don’t want to risk this at all. We did book Trip Insurance through the cruise line which would provide us with a 75% cruise credit. Our concern is that we wouldn’t necessarily have the time or money for the future cruise once this baby gets here. The cruise line’s cancellation policy would hit us with a 25% fee

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