@sistertwo- Good morning. This is a very tough choice. To go or not to go! I have a trip to MN, actually, in June and am wondering the same thing. But I have some time to see where it spreads. Do you have insurance for your husband so that he's covered due to illness? I had to use mine to cancel a trip to Israel a few years back and it saved us a ton of money. I was to have radiation on a lesion in my lung. My doctor said no to my trip! But he helped us get all of our money returned!
Whatever priorities that you have set to go on this trip or considered ones for cancellation you will have to weigh very heavily. Also, if you have cancelation insurance I would suggest reading the fine print and see what your options are with that information.
Many companies don't want to lose people and might suggest that anything can happen in the future. But you know how affected your husband's COPD is if he becomes ill.
This was recently published by a cruise liner:
https://www.inglegroups.com/svabinsurance/en/resource/view/9602
I think that you have to weigh whether you want to take a chance that the virus will find it's way on the ship or any places that you will visit on day trips or not.
I know that you might have been looking for pat answers. I am sorry that I can't give you any. There are no pat answers unless the trip is canceled by the company, itself. What might your priorities either way?