That's always been their policy... it wasn't "suddenly" increased. That was the policy in 2014 - I had a two-boat trip and had the other captain pull out. Thankfully, I found a replacement who turned out to be better than the original ever would have been. But, during my panic, I explored all options, and 20% cancellation was one of them.
Now, Voyage was very up front that they would be happy to roll the percentage paid (50% at that time) into a charter on a different date, with not penalty / fee.

I spoke with the Voyage people at the ABS, and they were very optimistic. Boats are being repaired, new boats are being delivered with many new ones under construction. Give it a little time, and talk (calmly) with their reps about your options.