One more comment: For ANY complex and/or expensive trip, always use a good travel agency. There's no cost to you at all, and they know all the ins and outs, the good and bad insurance policies, and are up to speed on these ever-changing travel circumstances.
When our whole family cruise to Alaska got cancelled in 2020, our agent not only got us full refunds of every dime from the cruise line, but also got us refunds on the travel insurance premiums. All with no effort on our part. Golden.
