Still trying to negotiate with them. It's only a few days stay and not a large amount. I just read on another diving forum a diver paid US$10,000 for a live aboard in Mexico. He can't go. No refund and only 40% discount offered if he re-books with that operator.
I run a business so yes I know what it is like to survive Sars in 2003 and the financial crash in 2008. I ran my business at a loss during those times. My competitors did not survive as they were too busy buying new cars and watches and suits and nice expensive lifestyles and saved nothing for a rainy day. This is not uncommon with many business owners they live for today only.
I have managed to cancel and get refunded from every other company I paid money too.
EVE Air even said they will refund in 7 business days to my credit card as I booked with them direct not thru a travel agent. As Bali and Indonesia now cancelled visa on arrival I could not get a visa in time and now would face mandatory quarantine when I returned home.