I travel overseas once a year and during December flights are often delayed from JFK, New York due to inclement weather conditions(in which case the airlines don't have to offer any reimbursement for accommodation or food).
I have a Amex, Discover, Visa Signature, Mastercard(Citi PremierPass which has no annual fee) and Chase Freedom Mastercard.
I saw Amex Travel delay protection from American Express which costs 9.99/per trip per passenger. But, I cannot enroll in it as I live in Florida which is not included for coverage.
I looked at the thread http://creditcardforum.com/american-express/406-american-express-travel-benefits.html
but it seems Travel insurance is free for Centurion card holders only from Amex
A quick search indicates Visa/Master card offer Travel insurance which will reimburse the passenger should he lose his life or become maimed, but I did not notice any Travel Delay insurance benefits(not even with Visa signature, though I browsed the signature webpage quickly so could have missed something).
I don't want to purchase such insurance sold by third party insurance companies or apply for a premium card like Blackcard which has a hefty annual fee.
1. Are there any Visa/Master/Amex cards which offer this Travel insurance for free or a lower price?
Any suggestions would be appreciated.