Can anyone get a refund from an airline, cruise ship, state park? NO.
Yes. Buy refundable tickets on an airline, no issue. Non-refundable tickets get put into a ticket bank for future use-you generally have a year. Due to COVID some airlines are giving/gave 2 years. Cruise ships refund as well, as long as you aren't within a certain time frame, usually minus an administrative fee. It's not a "no refund at all" policy. State parks I can't comment on.
Trip insurance doesn't even come into play here. It doesn't cover "Acts of God" such as wildfires or "I just don't want to go". Some policies, however, are now covering cancellations due to COVID.
Another suggestion is to ask to put the deposit towards a future reservation. Some will be more than happy to do that.
