Vacation refunds --- not for the faint of heart.

Those who are changing or canceling travel plans are finding refunds illusive. Americans are losing thousands of dollars as they cancel or change travel plans. Shayla Northcutt of the Northcutt Travel Agency says many airlines and hotels are waiving transfer fees and trying to help. "The travel industry partners are really stepping up to make it as seamless as possible for travelers." Northcutt says Travel Insurance is good, but depending upon what kind you bought, it may not cover you fully., but VRBOs (Vacation Rental By Owner) don't refund on travel advisories. "Stay away from any partnerships that ARE NOT guaranteed - like VRBOs."

She urges you to get a refundable rate on every part of your trip because you don't know what might happen. "It's usually a different of $20 - $25. It's completely worth it to have the refundable rate." She still encourages you to find new places to explore. "There's a ton of travel to Mexico and the Caribbean. Don't stop traveling just because some areas are affected. " Many cruise lines off fully refundable passage.

Carnival Cruise Lines new cruise ship, the MS Para

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