We always book to hotels abroad via online bookers. They have 2 kinds of booking - free cancellation and no refund. Understandably,. the free cancellation is more expensive, about 20% higher in cost than the no refund. When we get a booking, we take the no refund for the cheaper amount and just gamble if something untoward occurs and we couldn't proceed with our travel. But for our trip next month to Singapore, we are getting the free cancellation scheme, more expensive but it's worth because if the Zika virus persists, we might not proceed with our trip.