Here's an example from Jet Blue's site. I can purchase a non-refundable ticket from Boston to Ft. Lauderdale (they have a sale) for a total of $199.20 round trip....or, I can purchase a fully refundable ticket for $819.20. I managed to save $620.00. Chances are pretty good that I will make the trip, so that's a pretty good gamble. If I don't make the trip, I'll have the original fare as credit minus the $100 fee. I can use that credit toward a future flight within a year. I will gladly chance the $100 to save $620. If you book online, you cannot complete the booking unless you check the box stating you have read the restrictions.
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