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lots of airlines and hotels had free cancellation policies during covid but as cova cases decline a lot of those policies are going away heres how to protect yourself financially when youre booking your next trip in case your plans change one i know this sounds stupid but just email any hotel that youre interested in directly before booking and ask if youll have flexibility to cancel if you need to even for a non-refundable rate not all hotels are going to do so but a lot are trying to be extra flexible even if its outside of their standard rules just to get people to book in the first place it doesnt hurt to ask option two book now pay later so you dont have to put down a non-refundable deposit or potentially lose money if you need to change your reservations downside this is a little bit more expensive than paying the full amount up front tip three use your credit card credit card travel insurance is a huge bonus right now some credit cards have built-in coverage for things li