I don't know anywhere that does refunds. Most airlines will let you cancel the flight and keep the ticket price as credit for up to a year, but when you go to rebook they charge you a $100 change ticket fee per way, which kinda sucks.
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Depends on the airline. Most do not do it but you can get travel insurance which may refund you the money with a valid reason but it can still be a pain to get your money back.
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You can it upfront with a higher ticket price or in the rear, but its always going to cost more...
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