Just a suggestion to also research what your credit card gives you. Mine (USAA) adds on:
> Travel and Emergency Assistance - medical and legal referrals, prescription assistance, travel planning and other services.
> Trip Cancellation and Interruption - up to $1,500 per covered person when you buy your ticket with your card.
> Travel Accident Insurance - benefit amounts of up to $500,000
> Baggage Delay Reimbursement - up to $100 a day, for up to three days