Don't buy into the airlines' travel insurances if you have an eligible credit card with travel benefits. Premium credit cards like the Chase Sapphire Reserve/Preferred, Amex PRG/Platinum, and Citi Presitge all offer trip delay reimbursement, travel accident insurance, roadside assistance, as well as lost baggage insurance. Just make sure you understand the terms and conditions of the benefits.
I highly recommend the Chase Sapphire Reserve. The annual fee is $450, but it is effectively $150 after the $300 annual travel credit for travel-related expenses like hotel expenses, flight purchases, car rentals, seat upgrades, taxis and trains, etc.
The signup bonus used to be 100,000 Ultimate Rewards points, which is worth $1500 worth of flights, hotels, or car rentals when redeemed through the Chase Ultimate Rewards Portal, or redeemed for $1000 in cash via direct deposit or a statement credit. Unfortunately the signup bonus is now 50,000 points.
Posted By: nevertoolarge
thanks for the advice ......... when i tell friends about this board they dont beleive me when i say there are actual normal helpful topics LOL its not all about female body parts LOL sadly i paid the original ticket using a cash card trying to keep the charge private .. but good to know for future travel plans. i do know that some airlines offer travel insurance in case something happens on their end.