No I haven't, but we were booked on one in Summer 2011. We stayed at the airport hotel the night before we were due to fly to Barcelona. We had our dinner and went out for a walk, and my 8 year old started getting grouchy, so we went back to the room. Cue projectile vomiting all over the carpet.
That night I slept in the sofa bed with her, and she was sick every hour. In the morning the runs began, frequently accompanied with vomiting. Our flight was 9 am. We didn't know what to do, whether to go to the airport or not. We had insurance, but would they cover a vomiting virus which would resolve in 3 days? We called he out of hours GP, but they would not tell us whether or not to get on the plane. We called British Airways, and they said they would allow her on the plane. We called Disney, and they said she would have to be examined by the ship's doctor before any decision could be allowed about if she would be allowed on the boat. She could not preempt his decision, but she may be confined to quarters if allowed to board.
We did what we had to do. We didn't fly. At 9.30, dd2 had an uncontrolled vomit and runs, and did not make the toilet. We were due to be on the plane, and we knew that whatever happened, we had made the right choice. Instead, we took her straight to our GP for an examination. We called the insurance company, got the claims form and had a nervous three week wait. They paid up in full.
We were looking forward to rebooking this summer, but unfortunately that is not going to happen because we do not want to go from the States.