The problem is how quickly you will get your money back with your insurance claim. I just had to file two, one for a flight cancelled, and another for a land tour. I have to get the documents together and then it's at least another 2 weeks. Of course I will be gone by then-the choices are a check or refund to the credit card. As it's my Citi Prestige, I don't want the credit since I won't have trip insurance on anything I buy.