It is getting to be that time of the year when Minnesotans start thinking about booking a vacation to a warm destination during the cold winter months. Kyle Potter is executive editor at based in Minneapolis. He says if you book now, there really is very little risk as long as you make sure that you’re booking a flight that qualifies for free changing or cancellations:

“On the bright side almost every airline, especially the big airlines, Delta, American, United…any ticket purchased by the end of the year can be changed or canceled for free. You cancel you get a voucher. So that means if you buy before December 31st, you can get a good deal hopefully to each destination and then let things play out.”

Potter says the worst-case scenario would be that you get a voucher that you can use up to a year later. He also suggests that when you’re booking things like hotels, excursions, and other things that they also have a free cancellation policy.