One might ask, given the uncertainty that you know exists due to the crisis caused by the pandemic, why would you book a vacation anywhere?
The crisis is real, the financial impact is real. This is a business that has been working to weather the storm, and they adjusted how they operate to survive and hopefully continue to do so for the sake of their employees and any other stakeholders like the businesses and people that make up their supply chain, as an example.
I am not saying that I agree with their policy...I would not accept a return policy like that either, but then again, I don't understand why people are booking vacations at all to places when there is so much uncertainty. As an analogy this is like early adoption of technology...if one rushes out to buy the latest release of a new tech item don't be surprised for running changes that improve that product or fix issues that exist in the earlier release of the product, that is the risk of having the latest and greatest. Booking vacation at a time when airlines may cancel, dive-ops may cancel, hotels may cancel, the local or national government closes access to the island is a financial risk. If you are booking a vacation there then you are saying that either you don't care about that risk or you accept that risk.
The fact they have one policy listed on their website and another at the time of booking is not relevant other than it is a cause for people to complain...the actionable policy is the one you accept at the time you commit your funds. It is a good thing you actually read it and did not gloss over it. You obviously always have the right to choose, but the choice is not between cancelation policies, it is where to book, or even to go or not.
If one wants to travel during this period of uncertainty, that is great from the standpoint of supporting the economy and whatnot, but realistically you, the traveller have to acknowledge that you are accepting a great deal of risk.
-Z