While planning your vacation, why not check out travel insurance. Nobody can predict when you will have a cancellation, but being prepared is a good start. Always read the fine print in your rental agreement and travel insurance policy to weigh out the cost and benefits.
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Funny, I saw this and thought hey.. we need to post this. (You were faster)
I didn't want to loose the info, so I used HOUFY as a clipboard hoping to go back and edit it later.