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Expedia, for example, states that passengers may have the option to cancel for a refund but doesn't guarantee it. But if you're booking flights at the recommended 54 days before your trip, you're most likely in luck. The first flights you book don't have to be the ones you take. ...just take a price break instead. CORRECTION: A previous version of this post stated that airlines must either hold your flight for 24 hours after booking OR allow you to cancel for a full refund. In fact, they must do both.
If you are booking an airfare in the United States, U.S. Department of Transportation regulations require that, as long as you've booked a non-refundable ticket 7 days ahead of your flight, you're entitled to change or cancel your reservation within 24 hours of booking, without paying a cancellation fee (typically $200 on the remaining large network carriers for a domestic fare, but much more (up to $450 for some international fares), a bit less on other airlines.