Refundable tickets are generally always going to be sky high. Even if your plans change, keep in mind that many airlines will issue a travel credit if you cancel a non-refundable flight. This gets you the cheaper non-refundable rate, and you still get your money back, just not as a credit on your credit card. Yes, you'd have to use that travel credit within a year usually but if you travel a lot that might not be difficult. Just something to consider.