Questions and Answers

I have a reservation booked over Christmas at the Westin Cancun for 34,000 SPG points for 5 nights (including breakfast, balcony, bigger room, etc) – This is a great value, as rooms are going for $539/night + tax during my 5 night stay. However,the cancellation policy is you must cancel 2 months before – if not, there is a $700 charge, and if you need to cancel within 1 month before, there is a $1,400 charge. I wouldn’t be worried about just losing the SPG points if something happens, but I’m worried about what would happen in case of a snowstorm (flying from NYC area) or emergency or something like that – what are my options here. Also, do any credit cards cover you with travel insurance, even if there’s no actual charge on the card (unless I need to cancel, which is secured on the reservation by a credit card). Right now my Barclay AA Aviator is holding the reservation, but I can switch to any of a dozen cards or so if need be. Thanks in advance for advice.

Joe if you are not charging anything to the credit card you are unlikely to get any coverage from it. You could always call and double check but I doubt it. Are your flights cash or points? If they are canceled you *might* be able to get some refunds from through the card used for that part of the trip. I would definitely call and speak to someone in the insurance carrier for the card for a clear understanding.