Then you should do research before going or accept that it is an unlikely scenario. This is what people do when travelling, especially internationally. You can also select a plan with the most extensive network to reduce the likelihood.
This is pretty cool, having to constantly buy tickets to travel abroad for the holidays this is a huge problem for me. I am definitely going to give it a try, especially for those tickets that I know I will need to purchase in the future but cannot do so until a later date when I know the details.
Large non-cancelable expenses are probably one area where travel insurance can make sense. When you can mostly unwind things in light of travel disruptions, illness, etc. mostly not. (Or, when you can, maybe make refundable reservations even if there's something of a premium.)
After this, likewise. I've just booked a hotel in NYC instead, I want to relax on my trip, and not think about these issues and have peace of mind, so I can focus on the reason why I am traveling at first place.
If you're an at-risk traveler, you'd enable travel-lock pretty much as soon as you decide on your itinerary, potentially before you ever get on an airline manifest.
The thing I think I see a lot of people missing here is that travel-lock doesn't wipe or disable your accounts; it just restricts history and breadth. For a lot of people, I think these services will get easier and more pleasant to use while travel-locked, so it's relatively painless to give yourself a generous margin before departing and after arriving.
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