Christina Anderson thought her hotel room in Reykjavik, Iceland, was refundable. But when her flight to Iceland was canceled because of bad weather, she made a stunning discovery: It wasn't.

Anderson, a retired nurse from West Lafayette, Indiana, booked her room at the Iceland Parliament Hotel through a travel website affiliated with Priceline, and she didn't realize that all rooms were nonrefundable.

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“Now I’m out over a thousand dollars for a trip I couldn’t take,” she said. "I'll never make that mistake again."

But anyone could make that mistake. With airlines, hotels, and booking platforms tightening their refund rules, consumers are finding it more challenging than ever to get their money back, even when circumstances are beyond their control.