Most of the time, trip insurance feels like a waste—until it doesn’t.
When you’re booking a vacation, a hotel, or even concert tickets, that little box to “protect your trip” pops up — usually with a hefty price tag. The question is: is it worth it?
I wrestled with this myself last year when I booked a cruise for myself, my boyfriend, and my parents. With my dad about to turn 71, my mom, who manages her own health issues, and my accident-prone boyfriend, there was a pretty good chance something could go wrong. Part of me thought it was worth paying extra for peace of mind. Part of me thought I’d rather spend that money on a couple of piña coladas while our cruise ship sets sail for the Caribbean.
Here’s the twist: I didn’t pay for trip insurance at all — because I didn’t need to.
A week before our cruise, I got a call from my dad:
“Miss Princess Pickle Kitty bit me on the hand. It’s red and swollen. I can’t move my fingers.”
Within days, he was in the emergency room having surgery to remove the infection. Thankfully, he’s OK now, but our cruise was off the table.
Meanwhile, in perfect chaotic timing, our diabetic cat Rocky developed a limp, sending us on a 2 a.m. trip to the emergency vet. (He’s fine, too.)
If I’d paid extra for the cruise line’s insurance, I would’ve been covered. But I didn’t — and I still was. That’s because many major credit cards (especially travel cards) include trip insurance as a perk.
In my case, I had opened a Carnival Cruise Line–branded card for this very trip. They were offering a $250 bonus after spending $1,200 in three months — easy to hit when its primary function is to book a cruise. Since I’d already saved the money, it was basically a discount on the trip itself. And when we had to cancel, the credit card, Barclays, connected us with the right people, and the claim process — though never fun —worked out just fine.
They requested a reasonable list of documents to prove I booked the trip and that it was canceled for medical reasons.
Because of that built-in coverage, we got every dollar back and booked an even better cruise six weeks later at a lower price.
The takeaway? Before you shell out for pricey trip insurance, check your credit card benefits. You might already have the protection you need — without paying extra.
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