I think your decision should be advised by running a very fine tooth comb over the conditions of your insurance viz a viz grounds fo cancellation and associated cover. (and if available, their clear stance on any future cancellation)
Some will cover you for cancellation due to the current circumstances, some will not (or at least not without further, optional cover).
No-one will currently cover you for cancellation due to coronavirus on a new policy.
My own annual policy has just seen the provider issue a "sloping shoulders" email distancing themselves from almost all responsibility associated with coronavirus, except health cover for journeys commenced not against FCO advice (that's currently none, then).
The small print has always given some leeway on cancellation (not a great issue for me since the main target of my purchase is medical insurance, the rest I can take the risk on if I have to), but I'm not at all sure their distancing would fully stand up in court. It's not of any great concern to me since we haven't booked anything anyway, but is an interesting development.
Ant CC cover may depend on the absolute failure of the cruise line to provide the service. If FCO are still advising against it, but it ultimately sails with local passengers, then who knows how that would pan out.
Kiel Kanal - seen it! It's alright, but....... ;-)
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