Terrible if a world crisis occurs!
Normally I've had no problems with Agoda (I only book accommodation, I certainly wouldn't book flights) I've recently had to get refunds or cancel all my trip to Vietnam due to the current war in the middle east. The procedure was awful, as it's basically AI, which doesn't work for unusual circumstances. The hotel I booked with, agreed to a refund (even though I had passed the refund period) but Agoda and their third party refused to return the money. Not sure I'll be using Agoda again as it's left a bad taste. The problem is that most of these companies like Agoda are all owned by the same company. Best to book direct with Airlines and hotels.