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I love the Caribbean but not the cancellation policies

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I now am gun shy about booking any hotel that has a cancellation window of 30 days or more. In the past year, I have 2 situations that I could not foresee where I had to change my plans. Many of these hotels will not even offer a credit for a future stay. I don't book travel insurance for hotels because I tend to book airfare and hotels separately. Life can change on a dime...

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