Thank you for the response, fellow Washingtonian! I guess my question is, is there a point in getting refundable airfare rather than saving a little and getting a non-refundable fare and have the travel insurance cover any mishaps (missed flights/bags, health issues, quarantine, etc.)
The Lindblad insurance is horrible. The cancel for any reason just gives you more FCC (mine is from 2020) and the medical part is not sufficient for the destination.
Thanks!