Do Travel Rewards Credit Cards Actually Provide
Good Travel Insurance?
https://thewirecutter.com/money/credit-cards/credit-card-travel-insurance/
Richard
The article kinda glazes over a lot of things, IMO.
The best advice (other than the one good piece which is don't pick/apply for a credit card just for the insurance), is to READ, READ, READ the policy BEFORE you buy (although some will have a refund guarantee within X hours/days).
For example, the author neglects to tell you what the Chase cards actually consider a *covered reason*. If memory serves, Chase does *not* have "work reasons" as a covered reason (ie, you get laid off, your boss changes their mind and says you can't take the vacation days, etc.)
This is why it's important to read the policies, IMO. Even things like travel delay can have widely varying coverages/reasons.
Also, know what you *want* and *need*. Some folks only want/need medical coverages. Others have pets and would cancel their trip if their pet got sick (AFAIK, only a "cancel for any reason" rider/add-on will consider this a covered reason).