If you paid extra for a flexible fare, insurance is redundant.
Covers the cost of returning home early or catching up to a tour. should i buy trip insurance for a flight
If your flight, hotel, and tours are prepaid and non-refundable. If you paid extra for a flexible fare,
Reimburses 100% for specific reasons (illness, death, jury duty). should i buy trip insurance for a flight
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Many premium cards (Chase Sapphire, Amex Platinum) offer built-in trip protection.
If the ticket is cheap (under $200), the premium might not be worth the payout.