AAdvantage Visa no trip cancellation benefit?

I was about to book a trip, which will be in a "high risk" locale during hurricane season. I was asked about adding cancellation insurance, and I stopped to check if my Citi AA card had cancellation coverage. I was surprised to find out that the Visa DOES NOT include cancellation insurance as a card benefit. And inexplicably, I cannot add this as a feature to my card.

BUT, if I were to apply for a new AAdvantage World Mastercard, I would get cancellation coverage as a card benefit, but best I can tell, it covers only airline tickets....

So now I feel like dumping this AAdvantage card and picking up something else...Looking for maximum travel benefits and coverage, and Im leaning toward Sapphire Preferred....But Im sitting on 200,000 AA miles that will/could become somewhat useless if Im not adding purchase miles each month...

Anyone have tips or suggestions as to the best card and best way to retain the AA miles?

I would probably just book the airline tickets using some of the 200,000 AA miles. Dates of travel can be changed on frequent flyer tickets for free within a year of when the ticket was issued.

Also, when there is a major weather event like a hurricane or the Japanese tsunami last year, AA usually adopts a travel policy allowing people with tickets during those times to reschedule the trip.

I was not even aware that credit cards would provide travel insurance for all facets of every trip. That type of insurance is usually pretty expensive and sold separately. For personal trips, I usually use AA miles and hotel points, though. So if I had to reschedule, there would not be a penalty anyway.

I'm not sure why the latter statement I highlighted just because of the former. You're having this possible issue on one trip, and as a result of this one trip you want to completely change what's in your wallet?

First of all, in case you haven't noticed, any time you buy a ticket at aa.com, they give you the option of purchasing trip insurance right then and there! I used that when I was flying to areas possibly impacted by the Iceland or Chile volcanos, but not on other trips. Then for the non-flying parts, I just made sure that all my hotel reservations were made with cancellation times reasonable enough that if the whole trip was cancelled, I'd still have time to cancel most if not all of them. Same for ground transport. If you're worried about a hurricane (or anything else), don't use advance purchase rates at hotels! Without advance purchase rates, changing hotel reservations within a few days of travel (by that time you should know hurricane likely or not) should be without penalty.

So I'm not sure what else you need cancellation coverage on other than the airline ticket. And that's easy to get at aa.com (and it covers disurptions as well as cancellations) if you buy the ticket, and as already explained, probably not even necessary if it's an award ticket.