There is no guarantee at this point that the SPG card offer will work.

However, if it does, you should be aware that SPG has fewer hotels than many other chains. If you are traveling to the major cities where they have hotels, they are great hotels. But it can be harder to find them where you are going than other chains.

The points, though, are excellent for turning into miles.

Are you sure that a credit card will meet your needs for insurance? You may want to look into a good multi-trip policy that might meet both your stated needs.