Hey Maria and Steve,
Horizon has been very understanding during this time of covid. They and the boat owner held my reservation made in January 2020 all the way to Jan 2022. The original hold was due to the BVI being closed for travel due to covid. They also kept the booking when the quarantine requirement was in force.

This latest cancelation was due to covid but made at the last minute and gave them no time to rebook the boat. Horizons refund policy is very clear about last minute cancels for any reason. No refund.

This is why Horizon, and most charter companies highly recommend travel insurance. They were very happy to hear I did have insurance and they are working with the insurance co. to insure I get refunded the full amt of charter.

I am very pleased with Horizon's service before and after the cancelation and will book with them again for my next BVI based charter.