Thanks everyone.... Sorry for not replying for such a long time. I am an AARP volunteer to file income tax for elderly and low income clients. We are so busy with the stimulus program filing, we had to extend our hours. Truly sorry.
Ok, this is what I will do...
Get travel insurance for the cruise.
Don't purchase the cruise from Cruise Value Center
Postpone husband's foot surgery until after we come back from the cruise.
Thanks again for all your help.