I learned this one the hard way: just buy the stupid travel insurance, the kind that lets you cancel for any reason.
I think of myself as a person who does not cancel or change trips. But the evidence, and my experience, is to the contrary.
From now on, I’m going with the flexibility.
I already fly Southwest whenever at all possible, because none of this matters for those flights – they are all completely transferable to other dates.
Jane's Lessons Learned 