Imagine Cruising - cancellation of trip

When I made a booking for me, my husband and daughter in January 2020 the service were excellent and quick but know that I want to cancel there is no empathy at all. Due to Covid-19 I put in a request to cancel as my husband is 67 and I will also be 60 when our cruise starts on 26th of September. We are both high risk and want to be better safe than sorry. I tried to cancel from the beginning of April but the only reply is that I will loose the whole deposit that we paid (we had to pay 50% deposit of the whole trip). It is more than 4 months before the time and this is unacceptable. We must pay the rest of the amount before the 12th of June and if we do not we will also loose the deposit. As we do not know what is going to happen with the outbreak of the virus we will loose more money if we pay or struggle to get it back. The Schengen visa ports is also closed till September or could possibly be longer. We also asked if they can keep the deposit for a trip next year, but we got no reply. I know there is a cancellation policy but this is different times and it should be reviewed.