When deciding between purchasing travel insurance or relying on a premium credit card for travel protection, consider your specific needs and existing coverage. Premium rewards cards like the Chase Sapphire Reserve offer comprehensive protections including baggage delay, lost luggage, emergency medical assistance, rental car damage, and trip cancellation/interruption. These benefits can often suffice if you already have adequate health insurance coverage. However, unique circumstances or remote locations may still warrant additional travel insurance for peace of mind. Evaluate your card's guide to benefits thoroughly before making a decision.
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