Travel Insurance for a San Diego Vacation: Is It Worth It?

Most people searching “travel insurance San Diego” are asking a simple question: if I’ve already paid for flights, a Mission Beach rental and zoo tickets, is it worth spending a few hundred dollars more to protect them? The honest answer is that it depends on how much of your trip is non-refundable, what your health plan and credit card already cover, and whether you’re adding a cruise or a hop across the border into Baja.

This guide walks through what travel insurance actually covers, what it costs in 2026, where you may already be protected, and the local risks that matter here, from Hilary’s record rainfall to the State Department’s advisory for Baja California. All figures are based on publicly available information as of the date of writing (September 2026) and can change, so check the linked sources before you buy anything.

Quick Answer
For a domestic trip to San Diego, travel insurance is mainly about protecting prepaid, non-refundable costs, because most U.S. health plans and Medicare already cover emergency care anywhere in the country. Comprehensive policies typically cost 4% to 10% of the trip cost you insure, according to Squaremouth, and medical-only plans cost far less. A policy tends to be worth a closer look when a large share of your trip can’t be refunded, when you’re older or managing a health condition, or when you’re adding a cruise or a trip into Mexico, where U.S. health insurance and Medicare usually don’t work. If your bookings are refundable and your credit card already includes trip cancellation coverage, a separate policy may add little.

What Travel Insurance Covers (and What California Law Says It Is)

Travel insurance is a bundle of separate coverages sold together. The California Department of Insurance (CDI) defines it, citing the state Insurance Code, as coverage for personal risks incidental to planned travel. That includes trip interruption or cancellation, lost baggage or personal effects, damage to accommodations or rental vehicles, and sickness, accident, disability or death during travel.

The same CDI page spells out two things travel insurance is not. It isn’t a major medical plan for trips of six months or longer, such as coverage for expatriates. And it isn’t a rental company’s damage waiver contract, which California law treats as a separate product. That distinction matters when a rental counter offers you a “collision damage waiver.” It’s not travel insurance, even if it sounds like it.

The main building blocks

A comprehensive policy usually combines these pieces:

Trip cancellation reimburses prepaid, non-refundable costs if you cancel before departure for a reason listed in the policy, such as a sudden illness, an injury or a death in the family.
Trip interruption covers the unused part of your trip, plus extra costs to get home, if a covered event cuts it short.
Travel delay and missed connection pay for meals and hotels, within limits, when a covered delay strands you.
Emergency medical and medical evacuation pay for care and transport if you get sick or hurt while away.
Baggage loss and delay reimburse essentials and, within caps, lost or damaged belongings.

Optional upgrades

Two add-ons come up often. Cancel For Any Reason (CFAR) lets you cancel for reasons the policy doesn’t list and get part of your money back. Forbes Advisor, which priced dozens of plans, says CFAR typically reimburses 50% or 75% of prepaid costs. A pre-existing condition waiver removes the usual exclusion for medical conditions you already have, provided you meet the insurer’s conditions. Both are time-sensitive, which we’ll come back to.

How Much Travel Insurance Costs in 2026

The most quoted rule of thumb is that comprehensive travel insurance costs 4% to 10% of the prepaid, non-refundable trip costs you insure. That range comes from Squaremouth, a large online travel insurance marketplace, which says the average comprehensive plan in 2026 costs roughly 6% of insured trip costs. On a $3,000 trip, Squaremouth puts a good price for comprehensive coverage between $120 and $300.

Medical-only plans are much cheaper because they skip cancellation coverage. Squaremouth’s sales data shows buyers paid an average of $86 for medical-only plans over the past 12 months, or about $5 a day. Comprehensive plans averaged $426, or about $30 a day.

Why the published averages don’t agree

If you read around, you’ll see different “average cost” figures, sometimes on the same page. Squaremouth’s cost page headlines an average of $307 per policy in its key takeaways, then reports an average of $313 over the past 12 months a few paragraphs later. Both describe roughly 15-day trips across all policy types, so the gap likely reflects a data refresh rather than a real difference. It’s still a reminder that these numbers move.

A bigger gap shows up between Squaremouth and Forbes Advisor, and the reason is method. Squaremouth’s figures come from policies people actually bought, mixing all ages, destinations and plan types. Forbes Advisor instead collected quotes from 20 insurers for fixed traveler profiles. Its primary profile was a 30-year-old woman traveling from California to Mexico for 14 days on a $5,000 trip, and the average quote was $189, or about 4% of trip cost. Quotes for a young, healthy traveler naturally land at the low end, while real-world sales skew older and include pricier upgrades, which pulls Squaremouth’s average up toward 6%.

Source and method	Profile priced	Headline figure	What it tells you
Squaremouth, 12-month sales data	All buyers, all plan types, ~15-day trips	$307 to $313 average per policy (about $20/day)	What people actually spend across the market
Squaremouth, sales by plan type	All buyers	Medical-only $86; comprehensive $426	How much cancellation coverage adds
Forbes Advisor, quote analysis (20 insurers)	30-year-old, California to Mexico, 14 days, $5,000 trip	$189 average (4% of trip cost)	A lower-end benchmark for a young traveler
Forbes Advisor, same method	Two adults age 40 plus children ages 8 and 10, $5,000 trip	$298 average	Adding kids raises the price modestly

Sources: Squaremouth and Forbes Advisor pages listed under Sources, accessed September 22, 2026.

Age changes the math

Age is one of the biggest price drivers. In Forbes Advisor’s quote data for a $5,000 trip, the average rose from $189 at age 30 to $308 at age 60 (6% of trip cost), $430 at age 70 (9%) and $734 at age 80 (15%). Squaremouth’s sales data shows the same pattern by generation: Millennials averaged $173 per policy, while Baby Boomers averaged $438.

For a retired couple coming to San Diego for the winter sunshine, that can make a comprehensive policy noticeably pricier than the rule of thumb suggests.

What CFAR adds

Cancel For Any Reason is the most expensive upgrade. Squaremouth says it raises premiums by about 40% to 50%, and that the average CFAR policy sold through its site in 2026 cost $672. Forbes Advisor found an average increase of 51% across the plans it priced, with a wide spread between insurers. The small difference again comes down to method: sales data versus quotes on fixed profiles.

Coverage You May Already Have

Before buying anything, it’s worth checking what you already carry. For a domestic San Diego trip, the overlap can be large.

Your health plan and Medicare

If you live in the U.S., your regular health plan usually covers emergency care while you travel within the country, though networks and cost-sharing vary. Call the number on your card before you go. Medicare is clearer. Medicare.gov explains that the 50 states, D.C. and several U.S. territories count as “the U.S.,” and that Medicare usually doesn’t cover care outside the U.S. except in rare cases.

That means a Medicare beneficiary visiting Balboa Park is generally covered for emergencies much as at home. The picture changes the moment they cross into Tijuana, which we cover below.

Your credit card

Some premium travel cards include real trip protection. As one example, Chase’s guide to Sapphire benefits says Sapphire Preferred and Sapphire Reserve cardmembers can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for prepaid, non-refundable expenses if a trip is canceled or cut short by sickness, severe weather or other covered situations. The same page lists trip delay reimbursement of up to $500 per traveler after 12 hours for Sapphire Preferred or 6 hours for Sapphire Reserve, and baggage delay coverage of up to $100 a day for up to five days.

There are limits. Chase’s emergency medical benefit, offered only on Sapphire Reserve, is capped at $2,500 and applies when you’re 100 miles or more from home; the emergency evacuation benefit has the same 100-mile condition. Card benefits generally apply only when you pay with that card, and issuers change terms. Check your current Guide to Benefits rather than relying on any article, including this one.

Federal airline refund rules

A common reason people buy trip insurance is fear of a canceled flight. Federal rules now cover much of that. According to the U.S. Department of Transportation’s refunds page, you’re entitled to a refund if the airline cancels your flight for any reason, or significantly changes it, and you choose not to travel or accept credits. A “significant” change includes a domestic departure moved 3 or more hours earlier or an arrival moved 3 or more hours later.

DOT says refunds are due within 7 business days for credit card purchases. For other payment methods, the page gives 20 calendar days in one section and 20 business days in another, so allow for the longer figure. DOT also requires a refund of checked bag fees when a domestic bag is delayed more than 12 hours, provided you file a mishandled baggage report. The page was last updated in November 2025, so check it before you travel in case rules or enforcement have shifted.

What DOT rules don’t cover is you canceling. If your child gets sick and you can’t fly, a non-refundable fare stays non-refundable. That’s the gap trip cancellation insurance fills.

Risk on a San Diego trip	Health plan / Medicare	Premium credit card (e.g., Chase Sapphire)	DOT airline rules	Comprehensive travel insurance
Airline cancels your flight	No	Delay benefits may apply	Yes, refund if you decline rebooking	Extra costs, within limits
You cancel because you get sick	No	Yes, if paid with the card and reason is covered	No	Yes, if reason is covered
ER visit in San Diego	Usually yes (check network)	Limited (Reserve only, $2,500 cap, 100+ miles)	No	Yes, within policy limits
ER visit in Tijuana or Ensenada	Often no; Medicare generally no	Limited	No	Yes, if the policy covers Mexico
Storm already named or forecast	No	Depends on terms	No	Usually excluded if bought after it’s named
Change of heart	No	No	No	Only with CFAR, partial refund

Coverage varies by policy and card. Confirm details with your insurer, plan or card issuer.

Travel Insurance for San Diego: The Local Risks That Matter

San Diego is a low-drama destination most of the year. The San Diego Tourism Authority estimates the county welcomed about 32.4 million visitors in 2025, who spent roughly $14.4 billion. Most of them never file a claim. But a few local risks are worth understanding, because they shape what a policy will and won’t pay.

Tropical storms are rare, not impossible

In August 2023, Hilary prompted the first-ever tropical storm watches and warnings for Southern California, according to the National Hurricane Center’s report on the storm. San Diego set a daily rainfall record of 1.82 inches on August 20, the San Diego River flooded parts of Mission Valley, and eastbound Interstate 8 near Ocotillo was closed by boulders and mud. The report puts U.S. damage at about $900 million, citing NOAA’s National Centers for Environmental Information.

The lesson for travelers is about timing. Squaremouth notes that most policies exclude disruptions from a named storm if you bought coverage after the storm was named, because it’s then a foreseen event. Late-summer visitors who want weather protection need coverage in place well before anything appears on a forecast.

“Bad weather” isn’t the same as a covered event

A gray May morning at the beach isn’t a claim. Squaremouth explains that most policies cover weather only when it rises to a natural disaster or causes destruction, major closures or a complete stop in service, often lasting 12 to 72 hours for common carriers. Policies commonly list floods, wildfires and earthquakes as natural disasters, and some cover a mandatory evacuation or accommodations made uninhabitable. Read the definitions in your specific certificate rather than assuming.

Big-event weekends and non-refundable rates

Comic-Con International, held annually at the San Diego Convention Center downtown (most recently July 23 to 26, 2026), is one of the largest pop culture conventions in the world, according to the San Diego Tourism Authority. Peak weekends like this often push travelers into prepaid, non-refundable hotel rates. That’s exactly when the non-refundable share of a trip, and so the case for trip cancellation coverage, is highest.

Cruises from the Port of San Diego

If you’re sailing out of San Diego, Medicare’s rules get narrower. Medicare.gov says Part B may pay for medically necessary services on a cruise ship only in limited cases, such as when the ship is in a U.S. port or no more than 6 hours from one. Once a ship is farther down the Mexican coast, many passengers have no medical coverage unless they carry a travel medical policy. Our separate guide to cruise insurance goes deeper on this.

Side Trips to Tijuana, Ensenada and the Valle de Guadalupe

A day in Tijuana or a weekend in the Valle de Guadalupe wine country is part of many San Diego vacations. It’s also where most domestic coverage stops working.

Health coverage in Mexico

The U.S. State Department’s Mexico page states that Medicare and Medicaid do not pay for medical care in Mexico, that most hospitals and doctors there don’t accept U.S. health insurance, and that most private hospitals require payment before they let you leave. The Department recommends buying travel insurance before you go and strongly recommends supplemental coverage for medical evacuation.

Medicare.gov notes that some Medicare Supplement (Medigap) policies may cover emergency care outside the U.S., so retirees should check their specific plan.

The current advisory for Baja California

Under the State Department advisory issued May 29, 2026, Mexico overall is at Level 2, “exercise increased caution,” while Baja California state is at Level 3, “reconsider travel,” due to terrorism, crime and kidnapping. The advisory says homicide numbers are high in non-tourist areas of Tijuana and that most appear targeted. It also says the only U.S. government employee travel restrictions in Baja California are in the Mexicali Valley, with none added for Tijuana, Ensenada or Rosarito. Baja California Sur, home to Los Cabos, is at Level 2.

Advisory levels matter for insurance, too. Many policies have exclusions or conditions tied to government warnings, so read that section before relying on coverage for a Baja side trip.

Driving across

If you drive, travel insurance won’t cover your car’s liability in Mexico. The State Department says Mexican car insurance is required for all vehicles and that uninsured drivers involved in accidents may be arrested regardless of fault. It also notes that Baja California is a “hassle-free zone” where cars can be driven throughout the state without a temporary import permit. Mexican auto coverage is a separate purchase from any travel policy.

California Protections That Change the Math

A few California-specific rules affect how much financial risk you’re really carrying.

Surprise ambulance bills

Since January 1, 2024, California’s AB 716 has limited what ground ambulance providers can bill. According to Health Access California, the consumer group that sponsored the law, insured patients owe no more than their plan’s in-network cost-sharing, and uninsured Californians can’t be charged more than the greater of the Medicare or Medi-Cal rate. The law also bars sending those bills to collections or credit reporting for 12 months after the first bill. Before the law, Health Access says, surprise ambulance bills often topped $1,000 and sometimes $2,000.

There’s a catch for visitors. Health Access describes the law as a protection for Californians and their health plans. If you’re visiting with coverage from another state, don’t assume the same shield applies to you. Your insurer can tell you how an ambulance bill in California would be handled.

Checking who you’re buying from

The CDI’s free Check a License tool lets you look up an agent, broker or business entity by name or license number, along with any discipline history. It takes a minute and is worth doing with any seller you don’t recognize.

Free-look periods

Many policies include a review or “free look” window during which you can cancel for a refund. InsureMyTrip’s staff have described these windows as typically around 10 to 15 days, varying by state. Check the exact period on your own certificate.

Worked Examples: Two San Diego Trips

These examples use rounded, illustrative numbers and published averages. Real quotes depend on your age, state of residence, dates and the plan you choose.

Example 1: A family of four visiting from Phoenix

The Garcias, parents aged 41 and 39 with kids aged 8 and 11, book five nights in San Diego for spring break. Their prepaid costs:

Airfare for four: $1,120 (basic fares, non-refundable if they cancel)
Mission Beach vacation rental, non-refundable: $2,650
Prepaid attraction tickets: $780

That’s $4,550 at risk. Using Squaremouth’s 4% to 10% range, comprehensive coverage might cost about $182 to $455. Forbes Advisor’s average quote for a similar family profile on a $5,000 trip was $298, though that profile priced a trip to Mexico, not San Diego.

Now the scenarios. If their 8-year-old breaks an arm three days before departure and a doctor advises against travel, a comprehensive policy would typically reimburse the covered, non-refundable $4,550. Without it, they’d likely lose most of that money. If the airline cancels their flight instead, DOT rules already entitle them to a refund of the airfare if they decline rebooking, so insurance adds little there. And if a child needs stitches after a tumble at La Jolla Shores, their Arizona employer plan would usually treat it as emergency care.

So for the Garcias, the policy is really a trip cancellation purchase. Many families in this situation first check whether they paid with a card that includes cancellation coverage. If they did, and the covered reasons and limits fit, a separate policy may duplicate what they already have.

Example 2: A Rancho Bernardo couple adding a Baja weekend

The Nguyens, aged 67 and 69 and living in Rancho Bernardo (92128), have Medicare plus a Medigap plan. For their anniversary they book:

Four nights at a Coronado resort, prepaid and non-refundable: $2,400
Two nights at a Valle de Guadalupe inn, prepaid: $900
A prepaid winery tour: $300

Total at risk: $3,600. Because they live locally, flight disruption isn’t a factor. Their two real exposures are canceling because of a health problem, and a medical emergency in Mexico, where Medicare won’t pay and hospitals often want payment first.

Forbes Advisor’s data shows average quotes running about 6% of trip cost at age 60 and 9% at age 70. Applied loosely to $3,600, that suggests an estimate of roughly $215 to $325 for comprehensive coverage, though a real quote for two travelers could land outside that range. If either of them has a condition that’s changed recently, the pre-existing condition waiver becomes the key feature, and they’d need to buy within the insurer’s window after their first deposit.

An alternative some couples consider is splitting the risk: choosing refundable bookings in Coronado and buying only a travel medical plan for the Mexico leg. Squaremouth’s average medical-only premium was $86, though that figure mixes all ages and reflects 18-day trips on average, so their own short-trip quote could differ either way. They’d also need Mexican auto insurance if they drive, which no travel policy replaces. A licensed agent can tell them which combination fits alongside their Medigap coverage.

How to Buy a Policy, Step by Step

Total your non-refundable costs. InsureMyTrip’s staff advise insuring only what you’d lose if you had to cancel on the day of departure. Fully refundable bookings don’t need to be insured.
Check what you already have. Call your health plan about out-of-area and out-of-country coverage, and read your credit card’s Guide to Benefits.
Decide what you need. Is this mainly about cancellation, medical care, or both? A trip that includes Mexico or a cruise shifts the answer toward medical and evacuation limits.
Buy early if timing matters. InsureMyTrip says many pre-existing condition waivers require purchase within 14 to 21 days of your first trip payment. Squaremouth puts the typical CFAR window at 10 to 21 days after your initial deposit.
Compare several quotes. Squaremouth suggests comparing three to four providers. Forbes found prices for a single $2,500 trip ranging from $35 for a basic plan to $341 for a richer one.
Read the certificate. Look at covered reasons, exclusions, weather definitions, advisory-related exclusions and claim deadlines.
Verify the seller. Use the CDI’s Check a License tool.
Keep documents. Save receipts, doctor’s notes, airline notices and written statements from providers. Claims are decided on paperwork.

Common Mistakes and Money-Saving Tips

Mistakes that lead to denied claims

Buying after the risk is known. Named storms, forecast events and conditions that changed during the look-back period are the classic exclusions. InsureMyTrip says look-back periods are typically 60, 90 or 180 days before purchase.

Underinsuring the trip. To qualify for a pre-existing condition waiver, InsureMyTrip says you generally need to insure the full prepaid, non-refundable cost of your trip. If you add bookings later, add them to the policy.

Assuming “bad weather” is covered. A rainy week won’t trigger most policies unless it causes the kind of closure or service stoppage the policy defines.

Mixing up products. A rental company’s collision damage waiver, Mexican auto liability insurance and travel insurance are three different things. Buying one doesn’t give you the others.

Relying on Medicare in Mexico. For a Tijuana day trip, this is the gap that surprises people most.

Ways to spend less

Book refundable where you can. Every refundable booking shrinks the amount you need to insure.
Skip what duplicates. If your card covers cancellation for the trip, you may only need medical coverage, or nothing extra, for a domestic visit.
Consider medical-only for short Mexico legs. It costs far less than comprehensive coverage because it drops cancellation benefits.
Look at annual plans if you travel a lot. Squaremouth says annual plans can be cost-effective for people taking at least three trips a year.
Compare plans with similar limits. Squaremouth notes that a higher premium doesn’t automatically mean better coverage.

Frequently Asked Questions

Do I need travel insurance to visit San Diego?

No. Travel insurance isn’t required to visit San Diego or California. It’s optional coverage that mainly protects prepaid, non-refundable trip costs and adds medical coverage beyond what you already have. Many domestic visitors already have health coverage for emergencies and some refundable bookings, so the decision usually comes down to how much money you’d lose if you had to cancel.

How much does travel insurance cost for a trip to San Diego?

Squaremouth says comprehensive plans typically cost 4% to 10% of the non-refundable trip cost you insure, averaging about 6% in 2026. On a $3,000 trip, that’s roughly $120 to $300. Medical-only plans are far cheaper, averaging $86 in Squaremouth’s sales data. Age matters a lot, with travelers in their 70s and 80s paying noticeably more.

Does my health insurance work in San Diego if I’m from another state?

Usually for emergencies, but check. Most U.S. plans cover emergency care anywhere in the country, while routine out-of-network care may cost more or not be covered at all. Call the number on your insurance card before traveling. Medicare covers care in all 50 states, so an emergency in San Diego is handled much as it would be at home.

Does Medicare cover me in Tijuana?

Generally no. Medicare.gov says Medicare usually doesn’t cover care outside the U.S., with rare exceptions. The State Department adds that most hospitals in Mexico don’t accept U.S. insurance, including Medicare, and often require payment first. Some Medigap policies include foreign emergency coverage, so retirees should check their plan or consider a short travel medical policy for Baja trips.

Is trip cancellation insurance worth it if my airline cancels my flight?

Often not for that specific risk. Under DOT rules, if the airline cancels or significantly changes your flight and you decline rebooking or credit, you’re entitled to a refund, due within 7 business days for card purchases. Trip cancellation insurance matters more when you have to cancel for a covered reason, such as illness, because DOT rules don’t refund a non-refundable fare in that case.

Does travel insurance cover wildfires or earthquakes in California?

Many comprehensive policies do, if the event is unforeseen when you buy. Squaremouth says policies commonly list wildfires, floods and earthquakes as covered natural disasters, which can trigger cancellation or interruption benefits when accommodations become uninhabitable or an evacuation is ordered. Once an event is named or forecast, coverage for it usually isn’t available to new buyers.

What is Cancel For Any Reason coverage?

It’s an optional upgrade that lets you cancel for reasons your policy doesn’t list and get part of your money back, typically 50% or 75% according to Forbes Advisor. Squaremouth says it generally adds 40% to 50% to the premium and usually must be bought within about 10 to 21 days of your first trip deposit. It’s the only common option for a simple change of plans.

Can I buy travel insurance after booking my San Diego trip?

Yes. Most policies can be bought until shortly before departure, but buying late can cost you time-sensitive benefits. InsureMyTrip says many pre-existing condition waivers require purchase within 14 to 21 days of your first payment, and CFAR has a similar window. Coverage for events that are already known, such as a named storm, won’t apply to a policy bought afterward.

Does my credit card include travel insurance?

Some do. Chase says its Sapphire Preferred and Sapphire Reserve cards reimburse up to $10,000 per traveler and $20,000 per trip for covered cancellations when you pay with the card. Many other cards offer less or none, and medical coverage on cards tends to be limited. Your card’s Guide to Benefits lists the covered reasons, limits and claim deadlines that apply to you.

Is travel insurance different from a rental car damage waiver?

Yes. The California Department of Insurance says travel insurance doesn’t include damage waiver contracts sold by rental companies under California’s Civil Code. A waiver is an agreement with the rental company, not an insurance policy. Some travel policies offer rental car damage coverage as an optional benefit, so it’s worth checking which one, if either, you actually have.

The Bottom Line

Whether travel insurance for San Diego is worth it depends less on the destination and more on your exposure. If most of your trip is refundable, your health plan works here and your card covers cancellation, a separate policy may add little. If you’ve locked in non-refundable rates, you’re older or managing a health condition, or you’re adding a cruise or a Baja side trip, the case gets stronger.

A practical next step: add up your non-refundable costs, read your card’s benefits guide, and call your health plan about coverage in Mexico if you’ll cross the border. Then compare a few quotes and ask a licensed agent which options apply to you.

Sources

California Department of Insurance, “Lines of Insurance” (travel insurance definition), https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/Lines-of-Insurance.cfm, accessed September 22, 2026.
California Department of Insurance, “License Status Inquiry,” https://www.insurance.ca.gov/0200-industry/0008-check-license-status/, accessed September 22, 2026.
Squaremouth, “How Much Does Travel Insurance Cost in 2026?”, https://www.squaremouth.com/travel-advice/cost-for-travel-insurance, accessed September 22, 2026.
Squaremouth, “Severe Weather & Natural Disaster Insurance Coverage,” https://www.squaremouth.com/travel-insurance-benefits/hurricane-and-weather, accessed September 22, 2026.
Forbes Advisor, “Average Cost of Travel Insurance 2026,” https://www.forbes.com/advisor/travel-insurance/average-travel-insurance-cost/, accessed September 22, 2026.
InsureMyTrip, “Pre-Existing Conditions & Travel Insurance,” https://www.insuremytrip.com/travel-insurance-plans-coverages/pre-existing-conditions/, accessed September 22, 2026.
Medicare.gov (Centers for Medicare & Medicaid Services), “Travel outside the U.S.,” https://www.medicare.gov/coverage/travel-outside-the-u.s., accessed September 22, 2026.
U.S. Department of Transportation, “Refunds,” https://www.transportation.gov/individuals/aviation-consumer-protection/refunds, accessed September 22, 2026.
Chase, “A Guide to Chase Sapphire Travel Insurance,” https://www.chase.com/personal/credit-cards/education/basics/chase-sapphire-travel-insurance-guide, accessed September 22, 2026.
U.S. Department of State, “Mexico Travel Advisory,” https://travel.state.gov/en/international-travel/travel-advisories/mexico.html, accessed September 22, 2026.
National Hurricane Center (NOAA), “Tropical Cyclone Report: Hurricane Hilary (EP092023),” https://www.nhc.noaa.gov/data/tcr/EP092023_Hilary.pdf, accessed September 22, 2026.
Health Access California, “CA Governor Gavin Newsom Signs Bill to End Surprise Ambulance Billing for Californians,” https://health-access.org/ca-governor-gavin-newsom-signs-bill-to-end-surprise-ambulance-billing-for-californians/, accessed September 22, 2026.
San Diego Tourism Authority, “National Travel & Tourism Week,” https://www.sandiego.org/about/national-travel-and-tourism-week, accessed September 22, 2026.
San Diego Tourism Authority, “Comic-Con International” event listing, https://www.sandiego.org/events-festivals/comic-con-international/630788222ca011f1b563, accessed September 22, 2026.

Disclaimer

Disclaimer: This article is for general information and educational purposes only. It is based on publicly available information believed to be accurate at the time of writing, and rates, rules, products and eligibility requirements change frequently. It is not financial, insurance, tax or legal advice, and no advisor-client relationship is created by reading it. We are not licensed financial advisors, insurance agents, tax preparers or attorneys, and nothing here is a recommendation to buy, sell or hold any product, policy or security. Your own situation is different from the examples used here, so please consult a licensed financial advisor, insurance agent, tax professional or attorney before making any decision. We make no warranty as to the accuracy or completeness of the information and accept no liability for any loss arising from its use. Some links may be to third-party sites we do not control.