I don’t think it’s fair to say that the charter company cancelled. It’s also not fair to say that you cancelled. Either way, it’s a tough situation and you likely could have purchased cancel for any reason insurance.
I suspect that the charter company recommended cancellation insurance.
So what is the right answer? I have no comment.
Warren S/V Scuba Doo Lagoon 50 (winner of best crewed yacht under 55 feet at the St. Thomas crewed yacht boat show).