He recommends taking a closer look at booking and cancellation policies for flights and cruises if you haven't planned your trip yet.
And if you get travel insurance, keep in mind that it is more expensive, but it allows you to cancel at any time for any reason.
According to Howard, you won't get all of your money back, but you will get most of it back.
If you've already booked a trip and you're afraid to go, Howard recommends contacting the airline.
He says, "If you're told no the first time, you contact them again and again and again. The same with the tour operator or the cruise line, because these policies have been changing continually every week, so a "no" today could become a "maybe" or a "yes" tomorrow".