Hi Lisa,
Welcome to planDisney! I'm so glad you are thinking of booking a Disney Cruise Line vacation; you came to the right place with your questions.
Once you decide to book a cruise, you have three days to make a deposit of at least 20% of the total fare. With Pay at Your Own Pace, you can then decide how much and how often to pay toward the balance. Currently, your final payment for a 4-Night cruise would be due 90 days in advance of your embarkation day. This schedule applies to eligible bookings and does not apply to suites and concierge-level rooms. Once you confirm your reservation, the final payment due date may be found in My Reservations under the Already Booked tab.
If you need to cancel your cruise, cancellation fees may apply depending on when you cancel. Typically, the following cancellation terms apply:
45 days or more prior to embarkation date - 20% of voyage fare per Guest
44- 30 days prior to embarkation date - 50% of voyage fare per Guest
29- 15 days prior to embarkation date - 75% of voyage fare per Guest
14 days or less prior to embarkation date - 100% of voyage fare per Guest
You can view the Terms & Conditions here. If your cruise is paid in full, made with a Future Cruise Credit, booked under a restricted rate, or in the Concierge category, you need to call Disney Cruise Line for assistance.
Lisa, I hope this information is helpful as you consider booking your holiday. Please let us know if you have other questions; we are here to help!
Wishing you many magical memories,
Shannon