Hey guys, I am planning to fly using Chase or Amex point transfers to other airlines to book an award reservation during a busy period of January. In case I am not successful finding a last-minute award seat, I would like to have a back up reservationthat is fully refundable. Can someone comment on which airlines have a very seamless process for refunds? I see some India based airlines like indigo have decent fares but I’m just wary what the refund process could look like . Thanks