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Travel Advice!!

My DH is currently stationed in S.Korea. We were approved a pass to visit and leave.  I'm afraid to commit to a ticket because we have lost money due to a change in his orders before. Last time it was a $300 ticket (got charged a $150 change fee AFTER I HAD PURCHASED INSURANCE TO PREVENT THAT VERY THING!!) This flight is obviously more expensive... If I buy a refundable ticket it is 5x the price, insurance has so many loopholes and restrictions.. I don't know what to do! I can NOT be the only MilSO with this issue... Right?! PLEASE HELP!! Thank you in advance!

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