Thanks for all your responses. Kazu the cruise we are taking is the same South Pacific cruise you took a few years ago. We had taken it in 2016 so I went thru my files and lo and behold found the booking and yes it did have the same cancellation policy. I just didn't remember it. This is only the 2nd long cruise I've taken with HAL, usually have done them with Princess (and they are different) so I guess my memory isn't working so good.