It depends if you paid a refundable or nonrefundable deposit. With refundable deposits, you get it back from the cruise line as long as you cancel before their fist cancellation date. (the date when full payment is required). This is typically about three months out from the cruise date, but there are all sorts of variations out there now. No insurance involved.

My main point is that one should be very aware, if they are booking, what they are signing up for. Because of the pandemic, many cruise lines have relaxed or changed their practices and policies.