We strongly recommend purchasing travel insurance. Travel protections covers more than just cancellations... Lord forbid, if you test positive OR have other issues prior to travel
You can get your own travel insurance. If you don't have a company this is the link to the vendor I use. Pricing ranges from $100 pp - $600 pp (depending on age & trip total).
If using this vendor, insurance should be purchased within 20 days of booking. Here is the link for my vendor: https://partner.roamright.com/?agencycode=OutsideAgents&AgentID=JWoods
This is to confirm that you are aware of the cancellation penalties as described above on this page and that travel insurance is available for purchase to protect against cancellation penalties due to unforeseen MEDICAL reasons.