Personally, I believe Holland America is in good shape financially to weather this storm. But they've also offered a terrific new insurance plan, the new Cancellation Protection Plan, which allows cancellation of cruise plans up to 24 hours prior to departure for any reason whatsoever and pays cash back to the passenger at 80 or 90 percent of the cruise fare cancellation penalty. Passengers purchasing Holland America’s Cancellation Protection Plan (CPP) or Cancellation Protection Plan Platinum (CPPP) may cancel for any reason up to 24 hours before they are scheduled to begin travel. Holland America only needs to be notified in writing or by e-mail.