Points and miles get all the glory, but the unsung hero of smart travel planning is what happens when things go wrong - a cancelled flight, a lost bag, a sudden illness abroad.

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When the snow starts falling in the Alps, the Rockies, or the Japanese backcountry, savvy travelers know that where you swipe your loyalty card matters just as much as where you point your skis.

Booking a luxury stay used to mean accepting whatever cancellation terms a hotel handed you, but loyalty tiers have quietly rewritten those rules.

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