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I'm very interested in what if any refund Ponant offer your friends and/or what their TI paid out. This is one of the scenarios I am concerned about for our 2023 Mauritius and Seychelles cruises. Ponant's policy is very silent on this scenario (as far as I can see).
They were quickly offered a choice of credit for a substitute cruise or claim on their TI (which, being the same as mine, would have paid out) but if the TI didn't pay out, they could come back and claim the credit. They were OK with that. After hearing my experience, they quickly decided to re-book the same cruise next year.
Unfortunately, due to a family tragedy, the new trip was cancelled too about 6 weeks out. 70% refund; not sure if that was standard, or due to the circumstances (the Travel Agent made a solid submission).