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An old golf joke describes a guy poised to hit a drive, but just standing there and not moving. After a few minutes, an exasperated partner shouts, “For Pete’s sake, hit the ball!” At which point the guy says, “Yes! That’s it — the 50^th thing I was supposed to remember.”

Why a lame golf joke? Because travel is the same — everybody has a list of “musts” for you to do when you’re arranging a trip. I know I’ve been guilty of posting such lists, and today I’m looking at just one such item.

The “opt-out” choice you often see can be a trap that never stops trapping. If you don’t make a conscious choice, you could wind up paying over and over for something you didn’t want even once.

The trap is not confined to travel; you see it everywhere. But it’s a feature of plenty of travel purchase scenarios.

The most common opt-out option is some form of insurance. When you buy an air ticket or book a hotel room, the website often adds insurance unless you specifically say you don’t want it. That insurance isn’t always a bad deal, but it can be.

The last time I arranged an air ticket, the opt-out insurance showed a reasonable price, and it didn’t ask for my age, which meant I wouldn’t get hit with a super-high senior rate.

But when I checked the fine print, I found the insurance covered only the plane ticket, not any other part of my trip. Clearly, if I wanted to insure the trip, this was not the right policy.

Rental car gotchas

Opt-out collision damage waivers have historically been a problem with rental cars. I haven’t seen it often lately, but when you rent a car, sometimes a rental agent can hand you a contract to sign that is pre-filled to indicate you want to buy the “insurance.”

Unlike the airline case, this is almost always a bad buy. The price is high — coming close to doubling the rental cost — and the profit margin at those prices is so high and the actual risk so low that many credit cards offer collision coverage free when you use the card for a rental.

My column has pointed out a different opt-out trap for travelers renting cars: rental companies’ daily rates for automatic toll collection systems. The trap is that if you buy into the system, and use it even once, you pay the stiff daily rate for every day of the rental.

Avoiding this toll-collection trap requires homework, because these days old-fashioned toll-booth cash collection is on the way out. Instead, when you rent a car, find out (1) whether you’re likely to encounter toll highways and bridges driving around your destination, (2) what sort of toll collection system you’ll encounter, and (3) how to arrange to pay tolls independently without involving the rental company.

For the U.S., start by checking each state where you plan to drive at worldpopulationreview.com; for Europe, check tolls.eu.

What to insure and how

Regular readers know my general take on travel insurance: Buy enough to cover whatever prepayment and deposit money you have at risk if you have to cancel or postpone a trip. And buy it through a third-party travel insurance broker such as Quotewright.com or Squaremouth.com, where you can tailor coverage to meet your exact needs.

My general take on rental car insurance is similar: Avoid the rental company’s insurance. Your credit card may automatically cover you at no extra fee.

Ideally, if you rent often, get a card that offers primary collision coverage, as many now do. And if your card doesn’t cover you at all, buy coverage from a third-party car rental specialist such as Bonzah.com or RentalCarCover.com.

Email Ed Perkins at eperkins@mind.net. Also, check out Ed’s website at rail-guru.com.

© 2023 Ed Perkins. Distributed by Tribune Content Agency, LLC.