新闻周刊:疫情下9项明智的投资(7)（在线收听）

The better bet is to contact your carrier directly. Many airlines, including American, Delta and United, have waived all change fees for tickets booked between March 1 and March 31, and for flights scheduled to depart until April 30. You can change your flight (although you may have to pay the difference in fare), or cancel it and put the value of the old ticket toward a new one. (You'll have about a year to use the voucher.) Don't expect a cash refund, though, and be sure to check with the airline for its latest policy, as terms and dates are highly subject to change given the rapid developments and fluidity of the pandemic.

更好的办法是直接与你的承运人联系。包括美国航空、达美航空和联合航空在内的许多航空公司，对3月1日至3月31日之间预订的机票以及4月30日之前预定的航班，都免除了所有改签费。你可以改变你的航班(尽管你可能需要支付差价)，或者取消它，把旧机票的价值换成新机票。(你将有大约一年的时间来使用代金券。)不过，不要指望现金退款，一定要向航空公司了解最新的政策，因为考虑到疫情的迅速发展和流动性，条款和日期很可能会发生变化。

Hotel cancellations should be easier. "Hotel bookings are typically the most flexible type of travel to cancel, with or without insurance, and most chains provide a 24- to 48-hour cancellation policy," says debt attorney Leslie Tayne. "If you booked travel through Airbnb, COVID-19 falls under the company's extenuating circumstances policy, so if your reservation is located in an area with a World Health Organization travel warning, you are likely to receive a full refund if you cancel your booking."

取消酒店预订应该会容易一些。“酒店预订通常是最灵活的取消旅行方式，不管有没有保险，大多数连锁酒店都提供24至48小时的取消政策，”债务律师Leslie Tayne称。如果你通过Airbnb预订旅行，COVID-19符合该公司的情有可原政策，因此，如果你的预订位于世界卫生组织发出旅行警告的地区，取消预订可能会收到全额退款。”

Pay for protection. If you do want to take a chance on booking travel later in the year when the pandemic may be behind us, it is worth shelling out some extra bucks for travel insurance that will let you cancel your trip for any reason—just in case the crisis takes longer than you think to be resolved. You'll likely need to buy the add-on coverage at least 21 days before your first trip payment is due, and it covers 75 percent of the total trip cost.

支付保险费用。如果你想在今年晚些时候疫情可能过去的时候冒险预订旅行，那就值得多花点钱购买旅行保险，这样你就可以以任何理由取消旅行。你可能需要在你的第一次旅行付款前至少21天购买附加保险，它涵盖了总旅行费用的75%。

The policy will be more expensive than more standard travel insurance with restrictions but, given the current unpredictable and risky circumstances, it's likely money well spent. How much more will you pay? A recent quote for a $6,000 vacation for two adults in August from Travelex Select, which allows you to cancel for any reason, came in at almost $350, about $100 more than Travelex Basic, which doesn't offer the extra coverage.

这项政策将比有限制的更标准的旅行保险更昂贵，但是，考虑到目前不可预测和危险的情况，这笔钱很可能花得很值。你要多付多少钱？今年8月，Travelex Select公司推出了一款价格为6,000美元的成人度假套餐，可以让你以任何理由取消旅行，它的报价接近350美元，比Travelex Basic高出约100美元，后者不提供额外的保险。

Or, perhaps better yet, simply wait to travel until COVID-19 is a terrible and distant memory rather than our current, harsh reality.

或者，也许更好的是，等到COVID-19成为一个可怕而遥远的记忆，而不是现在的残酷现实。

Missing out on a vacation is a drag. But you can make the most of a bad situation by putting all the money you set aside for travel into a savings account that will help see you through the tough economic times ahead. These days, that's a real win.

错过假期是件令人讨厌的事。但是，你可以把你为旅行准备的所有钱存进一个储蓄账户，帮助你度过未来的经济困难时期，这样你就能充分利用最坏的情况。如今，这是一场真正的胜利。