Q. In April, we booked ourselves and our daughter and son-in-law on Hawaiian Airlines for a family vacation to Hawaii on my credit card. In September, we learned that they were getting divorced. When I asked the airline about options, they said there were no refunds, the tickets couldn't be transferred to someone else, and changing the tickets to a different date would cost $300-$400 for each ticket. Are those the only options?

A. Aside from a marriage counselor, yes. That is, unless you had the foresight to purchase travel insurance. Many policies do cover divorce these days, along with whatever other little wrench you may find tossed your way before a big trip. We can't stress it enough: Always spring for trip insurance, because you never know. We suggest InsureMyTrip.com, a comparison site that searches many policies from several different insurance companies.

Bonus glimmer of hope: There's always the slim chance that, for whatever reason, your flight could be cancelled or your departure time drastically changed, in which case you could ask for a full refund. Hey, it does happen!

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