Thanks and agreed. I had earlier talked to a rep with amex who gave me little confidence. I don't believe those that I have provide any insurance value like this it seems sadly.

I have additional booked travels in the near future. I have been considering getting a new card but none of these trips will have been purchased with the new card. Is that generally how these insurances work is you have to pay for the travel with the card? Any recommendations on new cards that might provide something like this in addition to other benefits. Delta is The larger carrier in our area so we tend to gravitate towards that if that matters.