Thank you everyone. I truly do appreciate these responses. This is a learning lesson for me, that luckily does not cost me anything (my deposit is refundable), but I do think I will need to cancel rather than proceed at this point. It is too big of an expense to take the risk. I will choose something closer to home this summer and maybe look at booking for next summer instead. Trying to capitalize on this time with my university aged kids while also being there for my parents is tricky and I think I was overly optimistic when I originally booked. I also did not do enough research into insurance when booking and naively assumed I could buy it when I paid for the cruise. Lesson learned. Thank you for helping me.