Cruise at 11 weeks?? Anyone cruised while pregnant?


My husband and I just got married early December and my grandma bought us a cruise for our honeymoon leaving February 15 for 10 days across the Caribbean, I’ll be 11 weeks pregnant and I have asked 2 obgyn’s and one said I can’t go because of Zika and the other said I can go I just have to take precautions. So I called the cruise line and they said she didn’t get vacation insurance so we can’t cancel or get our money back without losing the $20,000 she paid for the trip. I’m so torn on what to do. Has anyone cruised to the Caribbean while pregnant?? What should we do??