I have trip to Anilao on the books for early May and I'm still planning to go provided the Philippines lifts the ban on foreigners entering the country. I'm on round 4 of cancelled flights but still have a way to get there that's actually preferable to the original route now that I've been reticketed by United onto ANA. United has tightened their policies and initially refused a refund after a schedule change added 5 hours and 2 additional stops. I'm happy with the routing now but if this one cancels, its time to fight for a refund.
The resort was kind enough to reach out proactively to see if I was still planning to come. It sounds as if many other bookings have cancelled. If my trip is forced to cancel or postpone, I am covered by Amex, DiveAssure, and I purchased a trip policy with a cancel for any reason benefit. If I have to claim under the "any reason" benefit, it pays out 75% of the non-refundable costs. While the policy itself was expensive, its peace of mind because I know I can at least get that part of the trip costs back without having to battle through endless requests for frivolous documentation, deliberate delays, and the inevitable denial and appeal required to get most travel insurance to pay a claim. (That was my experience last July for a claim that was less than $400 due to a flight cancelation.)
Here's my 2 cents about resort cancellations: the resort I'm booked with has published policies stating that if a trip is cancelled within 14 days, there is a 100% penalty. I understood that when I booked so I don't expect, nor will I ask for a refund if I don't go (unless the resort itself is closed). I'm certain that margins are small and there are plenty of expenses mounting while the resorts sit empty. I want to support the resort and dive industry to ensure its survival. I'm looking forward not only to this trip but many more in the future. If this was a corporation or large chain, I'd feel differently and would expect a different cancellation policy and probably request refund for a cancellation in these circumstances. If this was a LOB, I'd expect some credit for the fuel and food that will not be required. But my trip is to a land based resort and I'd rather not push for refunds from the smaller independent operators. I want them to be able to support their employees and dive staff, continue to maintain gear, boats, and facilities, and be in open for future trips. If everyone demands a 100% refund or even a 100% trip credit, it will be impossible for some places to survive.