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The right credit card, if you have one or can get one, usually includes "insurance" for travel delays, lost luggage, cancellations etc. I always forget about the benefits other than "points" but there are some great ones.

Recently, I was glad I used the right card to book an airbnb which we had to cancel day of check-in. Full refund on a non-refundable airbnb.

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What CC is that?

Chase sapphire cards and anything competing with that. FWIW getting reimbursed through my capital one ventureX card took over six months and was a major pain. Claims were handled by eclaimsline which capital one told me was part of Visa not themselves, it’s the only time I’ve used it so I don’t know if that’s common for other cards like Chase. Maybe they handle it it house and do a better job.

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