I had booked for Thailand trip with my wife for our 10th wedding anniversary. But due to pandemic the trip has o be cancelled. To get the refund, it took more than 2 years, in 5 installments and i have to log a case in consumer court for this. Even after that i lost Rs. 35,000/- because of their cancellation fees, deductions etc., etc. Also they threatened to not transfer my last installment amount complaining that i have posted negative reviews about them. My personal suggestion, plan your own trip. Don't relay on these travel agents. It may sound difficult for the first time, But you will save a lot of money.