Good news for those of us who sometimes book non-refundable flights and then life happens! American Express has expanded its Trip Cancel Guard to cover flights even if you didn't book them directly through Amex Travel. Previously, this handy feature, which reimburses up to 75% of your non-refundable flight cost, was only available for flights booked via their portal.

Now, you can book flights wherever you find the best deal and still snag this insurance. There are a few catches: You have to buy the Trip Cancel Guard within 30 days of booking your flight and at least five days before your departure. The cost varies, but the big question is: Is it worth it? This depends on how often you cancel flights and how much risk you're comfortable with.

Think of it as a gamble. If you rarely cancel, it might not be worth the extra expense. But if you're prone to last-minute changes or traveling during uncertain times, this could be a lifesaver. Be sure to weigh the cost against your personal risk tolerance before adding it to your next flight booking. It's all about peace of mind, right?