Straight answer

What if I need to cancel?

Tell us in writing as soon as you can, because charges rise as departure gets closer. What you get back depends on the booking: operator packages follow the operator's cancellation scale, and packages we organise follow the scale in our booking conditions, where non-refundable flights are the biggest factor. This is the scenario travel insurance exists for: if the reason you are cancelling is one your policy covers, the cancellation charge is usually claimable.