This is a situation that is truly an act of god and the cruise lines should be more concerned about their reputation rather then their internal rules or next quarters earning report. This is what should be done for this on the cruise now: 1. Full refund (not credit) 2. FCC credit for the same level cabin for any cruise in the next two or three years 3. Full payment for the air fares and hotels and 4. an inconvenience fee for an amount which I would peg as $10,000. They shouldn't worry about precedent as this is a once in a lifetime situation.