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New York in August - deposit paid - should we pay the balance ?

We've booked four days in New York on 14 August through Virgin. We've paid £750 deposit and the balance of around £4,750 is due in May I believe. Our two friends that we're going with have paid theirs in full ! 
 In the current Covid 19 crisis if we pay the balance but cannot go due to one of us catching it...will we lose our money ? If Virgin still aren't flying and we've paid the balance will we get refunded ? Or, should we not pay the balance and delay going until all this has blown over, will we get our deposit back or will it go towards the future trip ? New York looks to be in a bad way at the mo. Thanks.
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