if you travel enough, buy an annual trip insurance policy out of pocket. could get purchased for $300

you can find/pick and choose what to cover (and at what limit/conditions): baggage delay, trip delay, trip cancellation, trip interruption (including extra costs to continue trip/get home like a brand new ticket), medical evacuation, medical insurance, etc

$10/trip for just trip delay is overpriced IMO... it pays out max $500 after 4 hour delay?