Everyone has a credit card, VISA, Mastercard or others. According to one source only 30 percent of card holders actually look at much less understand what benefits travel with their credit card. That percentage could even be too high. The nature of your benefits will vary with the card but here are a few useful benefits you likely already have:
Rental Car Insurance Coverage Will obviously vary with the card and circumstance but what you need to know is if you use that credit card you automatically have, at least, some basic insurance coverage. It's "free" if you subscribe to that card so, yes, you are paying for it. But it's not extra cost and it can take the place of all those insurances the rental car company wants you to sign up for.
Purchase Protection Basically you have some protections when you buy stuff or a service. You must look carefully at the actual terms and unfortunately the fine print in their mailed out brochure is very damn small. But, good news, the same coverage outline is almost always available online. In simplest terms, if you buy an item or service and that purchase isn't satisfactory you may have coverage. Just by using the card.
Price Protection: This may end up being a bit too complicated for some people but variances in prices may have some protection with your card. It sort of has to be your particular focus.
Lost Luggage: It's what you think it is, coverage for your lost luggage.
Trip Cancellation and Trip Interruption: This may be the most useful coverage for many people. But take it slow. This insurance absolutely does cover many circumstances but they are carefully enumerated with many restrictions. Basically, if you are traveling and problems crop up which directly impact you or your travel partner you can have coverage. If our country decides to zap North Korea and you are in Spain at the time you won't have any help. That's where normal travel insurance comes in.