Does such a credit card exist?
I have a National Bank Platinum MasterCard which I will cancel shortly. It has built-in trip cancellation insurance (and trip interruption as well) but comes with an annual fee of $125. I used that card to purchase airline tickets to Paris last year for our European trip. Unfortunately, we had to cancel our vacation at the last minute due to a medical emergency. I did not buy additional trip cancellation insurance but I was able to get my money back because of the insurance benefits of said credit card.