 TITLE: Understanding Credit Card Insurance Protection CONTENT: Additional Credit Card Perks\n----------------------------\nIn addition to insurance features, many credit cards offer other perks you may not be aware of. These include:\n*   **Emergency travel assistance**: If you get sick, injured or involved in a legal tangle on a trip, many credit cards provide emergency travel assistance. This can include medical, legal and transportation assistance or referrals; help replacing lost eyeglasses, passports or prescriptions; or even getting messages to your family in an emergency.\n*   **Roadside assistance**: If your car or rental car runs out of gas or breaks down on the road, your credit card may offer roadside assistance to help. Some roadside assistance programs just send help; others also cover some or all of what it costs to help you out.\n*   **Access to special events**: Some credit cards give you access to preferred seating or presale tickets for concerts, sporting events, plays or elite experiences such as gourmet food or wine tastings.\n*   **Concierge services**: If your life is hectic, a credit card that includes concierge services can help. Concierge services can assist in planning trips, score you reservations at hot-spot restaurants or tickets to events, and even help buy and ship birthday gifts.\n*   **ShopRunner membership**: If you frequently shop online, you'll appreciate a credit card that gives you complimentary membership to ShopRunner. Normally $79 annually, this service offers unlimited free two-day shipping, free return shipping, discounts and more. END