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What to know about trip insurance

Katy Nastro, a fellow global travel expert with the flight price-tracking app Going, said that certain protections under federal law may already be available to U.S. passengers without insurance.

\"You are already protected to get a full refund or rebooked on a significantly delayed flight or cancellation, regardless of the reason,\" she told ABC News.

Like Kelly, Nastro pointed out that the credit cards travelers use to purchase can also have massive refund benefits, especially for unexpected expenses.

\"PHOTO:
Gil Cohen Magen/Xinhua via Getty Images
PHOTO: Interior view at Ben Gurion International Airport Israel closed its airspace to civilian flights in Tel Aviv, Israel, Feb. 28, 2026.
>

\"Many travel credit cards already have built-in trip insurance that can protect you when the unexpected happens,\" citing perks from the Chase Sapphire Reserve card that provide \"reimbursements up to $10,000 per person for pre-paid, non-refundable travel expenses when an interruption happens.\"

Plus, she added that \"these cards often pay sooner than the airlines do for expenses due to misplaced bags.\"

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