Thanks. I meant to say that she is unlikely to get a card with a $500 annual fee. I can see a few cards with $95 annual fees (Chase Sapphire Preferred and JetBlue Plus) and even a free card (JetBlue MC) that provide this delay insurance. [As an aside, her BF has tried to rent a car (she's not yet old enough) and none of their credit cards have useful insurance. The Chase card also makes auto rental primary, which is excellent.]

I fly a lot and should know this stuff but have high-end cards, high-ish status on various airlines, and an exec assistant whose job is to make my life work smoothly so this info is valuable.