Travel cancellation insurance vs credit card coverage

The your credit card's coverage may be enough if it properly covers your trip and the cancellation reason you have in mind; otherwise, a dedicated insurance policy may offer more suitable protection, but it will not necessarily reimburse a cancellation "for any reason whatsoever". The conditions depend on the card and the contract: check in particular whether the trip must be paid for with that card, which people are covered, the reimbursement cap, deductibles and accepted reasons.

Before booking, compare your card's terms with the conditions of the insurance offered: illness or accident, professional problem, an event affecting a relative, exclusions related to a pre-existing condition and the deadline for reporting the claim. A premium card is not automatically more advantageous for your case, and insurance sold with the ticket may also contain exclusions. If you cancel for a reason not covered by the contract, the reimbursement will mainly depend on the cancellation conditions of the carrier or the accommodation. Keep the receipts and contact the insurer as soon as you know you have to cancel.