Could it be that depending exclusively on ETFs, which are safer and offer tax advantages, might restrict the chance for substantial gains and the valuable insights gained from picking individual stocks?

@Mark Okay, how helpful is the policy if it only kicks in after a 5 to 12-hour wait? What about those shorter delays that still cause problems and extra costs?

I'm about to get a policy from Berkshire Hathaway Travel Protection. If a severe thunderstorm results in a 14-hour flight delay, would they pay for additional hotel and meal expenses? What's their policy on minimum delay times for claims?