At this point, I can't find an end date for the flexible refund policy for covid but I can't imagine that Disney will keep it around forever. What are the chances that Disney will give us a heads up that it is going away before final payments are due? We have a placeholder on a short cruise in October and I worry that Disney might take our flexibility to cancel because of covid. Are we at the point that we need to have insurance to cover canceling cruises for covid?