Know Risk

Travel is always a risk. We've all been there. Dozing uncomfortably in the airport because your flight was delayed, arriving at your destination to find out that your bags never arrived, or a last minute emergency keeping you from going on that long awaited vacation all together. According to the U.S. Bureau of Transportation Statistics, over 35,000 flights will be cancelled this year and more than 5,000 diverted to other airports. While these inconveniences may sometimes be inevitable, losing money doesn't have to be.

Travel insurance can help protect your investment, in case a cancelled flight or an emergency prevents you from taking the trip you planned. Unfortunately, many travel insurance policies are too pricey to justify themselves, and inflate the cost of your trip anywhere from 4% to 8%. This is where travel insurance credit cards come in. These credit cards offer a variety of options of coverage, and to make your search easier, we've identified the top 5 cards that offer the best travel insurance benefits.

Chase Sapphire Reserve®:

This card is the best for travel accident coverage, covering up to one million dollars in damages. It also offers up to a $300 annual credit for travel purchases, a fee credit for special access services like Global Entry or TSA PreCheck and luxury airport lounge access.

Chase Sapphire Preferred® Card:

This card not only offers a large sign-up bonus, but also covers up to $10K per trip in trip-cancellation, trip delay coverage of up to $500 per ticket, and $3k in lost luggage coverage.

Southwest Rapid Rewards® Plus Credit Card:

This card is best for loyalty airline rewards combined with travel insurance. According to WalletHub, with this card, "customers who qualify for a Visa Signature card will get access to travel protection benefits including travel accident insurance, an auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement and travel and emergency assistance services."

IHG® Rewards Club Premier Credit Card:

This card is the best for loyalty hotel rewards with travel insurance. This card also has interesting benefits like a free night stay at a participating IHG hotel each year you're a cardholder. It also offers coverage for trip cancellation and interruption insurance, baggage delay insurance and purchase protection against damage or theft.

United MileagePlus Explorer Business Card:

In addition to travel insurance, with this card, get 10,000 bonus miles per $25,000 spent. Other travel benefits include a free first checked bag for you and one companion on the same reservation, priority boarding and two United Club passes.

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I’ve been feeling very British lately. Not in a Union-Jack-obsessed, “Keep Calm and Carry-On” way. I went through that phase in 2012 with everyone else… no thank you. And it’s not even a surge of patriotism catalyzed by the Queen dying — I’m firmly team Diana and team Meghan.

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Southwest Airlines Sale 2022

Photo by Trac Vu on Unsplash

Pack your bags — Southwest Airlines is having a major sale! Fares are as low as $59 one-way if you book by October 3rd.


This end-of-summer super sale is a game-changer for your travel plans through the end of the year. Summertime travel gets all the glory. But why not take advantage of your long weekends, holidays, and PTO this fall. You’ll be surprised at how much travel you can fit in. Keep the fall/winter season exciting with domestic trips that give you all the excitement without breaking the bank. All thanks to Southwest.


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Quiet Quitting is the latest trend among Gen-Z TikTok that encourages setting boundaries at work

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Toni Morrison has an anecdote about her first ever job, which was cleaning some neighborhood woman’s house. The young Toni arrived home after work one day and expressed her troubles to her father. But he didn’t provide the sympathy she expected. Instead, he gave her something better — his advice:

“Listen. You don’t live there. You live here. With your people. Go to work. Get your money. And come on home.”

Years later, she wrote about this remarkable experience for the New Yorker and said, in hindsight, this is what she learned:

1. Whatever the work is, do it well—not for the boss but for yourself

2. You make the job; it doesn’t make you

3. Your real life is with us, your family

4. You are not the work you do; you are the person you are

What Morrison so eloquently articulated was setting boundaries. I revisited this piece during the pandemic when working from home ramped up in earnest. Back when work was one of the few things that anchored my day.

Without a physical office, the pandemic shattered the work/life balance for many people. There was no more of that physical separation that Morrison talked about. There is no coming home from work physically. There is no real life to come back to — just a manufactured commute to your laptop in your makeshift home office.

But, par for the course, Gen Z are navigating this boundaryless era using TikTok. While internet gurus promote hustle culture and constant online availability since you’re not getting face time with your managers, there’s a trend in town — “quiet quitting.”


@zaidleppelin On quiet quitting #workreform ♬ original sound - ruby


The trend arose from the depths of the pandemic. Layoffs, salary cuts, and furloughs proved that their employers did not care about their hard-working employees.

The Washington Post dubs quiet quitting as a fresh trem for an old phenomenon: employee disengagement. In many cases, it’s a response to burnout. For much of Gen Z, it’s a way of establishing healthy boundaries in the office and resisting the pressure of the rat race. After all, why work yourself to the bone for a company that just proved it’s ready and willing to let you go?

Despite the term’s negative connotations, Quiet Quitting can provide an empowering shift in thinking for employees.

For far too long, employees have been indoctrinated with a slew of toxic workplace advice. Faced with these old misconceptions and lacking job security or clear paths for advancement, Gen Z is untethering their identities from work.

Quiet quitting — therefore — might be a bit of a misnomer. These employers aren’t completely disengaged. They’re certainly not launching Flight Club-esque sabotage attempts on their employers. NO. Contrary to media panic, Gen Z understands the value of a job — the fickle market they entered ensured that. But they also understand the value of life.

They’re doing what they’re being paid for. Nothing more, nothing less.

According to Chief, a private membership network focused on connecting and supporting women executive leaders, older generations should learn from this approach.

“Gen Z has already endured the largest seismic shifts to the career landscape than any previous generation, having started their careers in the middle of a pandemic that changed office culture forever and a gig economy that makes piecing together work more viable. They’re taking both those realities and therefore demanding more autonomy and flexibility than any other generation.”

Gen Z are less attached to job titles and statuses. They’re more concerned about their lives. Sure, this can lead to problematic outlooks on money and experiences — see the “I can earn my money back” TikTok trend. But it’s better than hustling for no reward. Besides, as some Gen Z-ers put it on TikTok, the office isn’t even a vibe.

“With the ability to work from anywhere and for more than just one place, Gen Z-ers are forging their own paths that don’t rely on old patterns set by previous generations and are redefining what “career success” looks like. Gen Z can take note, as more and more leaders are similarly pursuing multiple income streams of their own through the form of a portfolio career. The way in which work looks like and where it happens is evolving.”

With less single-minded focus on one job, some TikTok business gurus advocate shutting your laptops precisely at 5 pm. And then jump onto your side hustle. Do nails or lashes on the weekend. Become social media managers for your phone. Sell soap on Etsy (again … perhaps not in the Fight Club way).

But this valorization of side hustles is not about hustle culture, either. They say job security isn’t guaranteed. Learning new skills and develop an alternate income stream/s to keep you afloat. Just make sure you’re not left in the lurch. BTW inflation is here. So every little bit helps.

But where do you start? Watching TikToks can only get you so far. Try a course on LinkedIn Learning to sharpen up your skills and learn new ones that you can turn into a verifiable side hustle — or leverage in your job search if quiet quitting leads to … real quitting.

Learn on your own time with bite-sized videos or in-depth courses. Watch them after work, before you clock in, or on your lunch break. Then, after your courses are complete, you’ll have certificates prominently displayed on your profile that prove your skills.