Confused about covid and reimbursement policy

This page Covid-19 Protection Program says:

Future Cruise Credit (FCC) for 100% of the cancellation fee amount of non-refundable unused services, and a refund to the original form of payment for all taxes, fees, port expenses, and pre-paid onboard experiences and shore excursions purchased through the cruise line. Applicable, for guests and their immediate travel party in the same stateroom if any guest tests positive for COVID-19 within 30 days prior to embarkation

Also, page 2022 FAQ | JoCo Cruise says:

No exceptions will be made to our cancellation policy under any circumstances (including but not limited to personal financial and/or health issues, adverse weather, or being denied boarding by Holland America Line for any reason, including health reasons)

So if I paid $4000 dollars for the cruise, and fail a covid test before travel, does that mean I get $4000 of Future Cruise Credit (FCC)?
Thanks, T.