Carol, sadly I would say that the refund option is prudent with any company these days. Deals will be plentiful, so you won't end up paying more. It's wonderful to support businesses in these tough times. Buy a $50 gift certificate to your local restaurant. If it goes belly up, you're out $50. A sailing charter is another story. And unlike Irma, it's not just the BVI businesses that will have suffered, but also their customers.