We were in Disney for a wk since we like to be down before we go on a cruise so we don't end up missing it cuz of flight delays, etc.
This was when the whole Norwalk-like virus was going around and effecting the cruise ships big time and making everyone sick. The night before he had all the symptoms of it and no way could he go on a cruise, let alone leave the hotel room. His parents were going with us, but since they were in the next room, had no idea he was sick til it was time to leave. We called the trip insurance people and explained the situation. The guy told us that as long as you were sick, you could cancel and get a full refund and to just call them back when we were home to file the claim to get our money back. So, sounded good to us, so we cancelled the cruise (had no choice). We were staying at ASMo or Mu (can't remember which) but they were great with letting us stay an extra night, getting us extra towels and bedding and cleaning supplies.
So, since we didn't want to change our flight, we stayed in Orlando and then Cocoa Beach til dh parents got off the cruise. He was feeling a little better by then so was able to enjoy the rest of the trip.
Til we got home! Then the insurance company....Access America.....said we couldn't get a refund since dh didn't see a dr. If we had known that at the time, we would've had him see one. After loosing all the appeals, we finally sent a certified letter to Disney. We reached out to Disney after my inlaws told us that while they were on the bus on the way to the cruise that they had cm on board asking that if people were sick, thought they could be sick, etc to NOT board and they would issue either a full refund or money towards another cruise (can't remember which she said). A few months went by and in the mail was a certificate towards another cruise from Disney. We were so excited and happy that Disney did this for us when, by all rights, they didn't have to do anything. We went on to have a great time on that cruise and even booked another while we were still onboard.