If one thing goes incorrect, you don’t want to be out hundreds of dollars in bills. It might be there when you get robbed, flights get canceled, you get sick or injured, or should be sent home. It’s complete and, for just some dollars a day, one of the best investments you can get for a visit. You may think you’re superman/lady but so did my pal who broke her arm, didn’t have insurance coverage, and had to pay thousands out of pocket.
The rewards you earn are redeemable only with that exact brand, which may restrict your flexibility, sometimes sharply. For instance, if your bank card’s co-branded airline associate doesn’t have any award seats available on the flight you want on the day you want, you are out of luck. On the opposite hand, co-branded cards generally provide airline- or hotel-specific perks that general travel playing cards cannot match.…