• I booked two separate flight itineraries on different airlines for a family trip to Ireland.
• I realized this was a mistake after the first airline diverted, and the second left without us.
• The fix cost my family nearly $3,000 in new tickets and a day's worth of touring.

I'm a veteran traveler who has booked more long-haul flights than I can count. But earlier this year, I made a very expensive rookie mistake.

While planning a trip, I came across a deal I couldn't pass up: a $317 one-way flight on Icelandair to Ireland with a multi-day layover in Reykjavik. It was essentially a way to take a trip within a trip without paying extra airfare.

The catch? The flight departed from New York, not our home airport in Florida. I'd be in New York a few days early, but my family would need to fly up to meet me. Booking separate itineraries was far from ideal, but I figured a five-hour buffer would be enough.

It wasn't.

A storm in New York canceled my family's JetBlue flight from Florida, and their replacement flight then couldn't land and was diverted to Virginia. Their Icelandair flight to Europe was automatically canceled after they were marked as no-shows.

On the night we were supposed to fly together to Iceland, my family was stuck states away, and I was scrambling to find a solution.

With my family's original flight gone, we had to spend nearly $3,000 to get them back on track and navigate the complicated credit card trip insurance process. Here are 4 lessons I learned the hard way.

Booking separate itineraries comes with a pricey risk

Arriving in the city of your next flight at least 24 hours before may feel a bit extreme, but it's the minimum safety net you need.

Being already in the right location for your flight can be a huge weight off your shoulders. It also allows sufficient time for rebooking should something go wrong with your flight.

My last-minute whim to visit a few friends upstate turned out to be key. Those extra two nights in New York meant I was able to make the flight to Iceland. If I had booked my family of three on a flight the day before our long-haul flight, they would have made it too.

My family made it to New York the next morning and ended up taking a replacement flight to Iceland that evening, getting in about 24 hours later than originally planned. I bought two basic economy tickets for $734 each, and one standard economy ticket with extra baggage allowance for $1,105. In total, I spent $2,573 on new tickets.

The costly mistake made me realize that although an extra hotel night is an added expense and may mean using more PTO, it's a cheap investment compared to the cost of new international flights — and the cost of missed events — if things don't go to plan.

This is especially worth it if you have definite plans right after your arrival, such as a cruise or a concert.

Neither airline has to help in my scenario

When you book connecting flights on a single itinerary, the airline is responsible for getting you to your destination. If you miss that connection through no fault of your own, then the airline will put you on another available flight at no additional cost.

When you book flights separately, you're responsible for making each connection — or buying new tickets if you miss one. And generally, regardless of reason, the airline operating your next flight isn't obligated to accommodate you if you miss it because of a problem with your previous airline.

Our tickets to New York and Iceland were separate, so despite numerous calls to each airline, none were responsible for the missed connection. If you do miss a connection on a single booking, look up alternatives yourself and discuss them with the agent. It's not guaranteed, but they may be able to accommodate you on a partner airline at a more convenient time.

And remember, it's not the staff's fault for the disruption. You get more bees with honey.

I should have read the fine print

I didn't book the cheapest fare, but I didn't read the fine print either.

When things started to go wrong, I was shocked to see there was a $250 change fee per person on my original flight and no refunds. Changing the tickets would have cost nearly as much as the original flight, plus the fare difference.

At the time, it was uncertain when my family would actually arrive in New York and feasibly be able to catch the next flight to Iceland, so we didn't change the tickets. Missing the first flight on this stopover itinerary meant my family was marked a no-show and their onward leg to Dublin was canceled, which is standard airline policy.

While there were other ways to get to Iceland, there were few nonstop flights from Iceland to Ireland — a one-stop meant at least four extra hours of travel — so the best option was to book a new stopover ticket with Icelandair.

When I started booking the new tickets, I noticed that almost every fare class had punitive cancellation and change policies — and this time I was sure to be familiar with the terms of my booking.

I need to better understand my credit card's trip protections

Premium credit cards can have your back when flight plans go wrong, but they don't cover everything.

We used the Chase Sapphire Reserve for Business' trip cancellation and interruption protection for the original Icelandair tickets and were reimbursed $952. The coverage typically reimburses covered unused, prepaid expenses — but not the cost of buying new airline tickets.

Trip delay coverage doesn't either, but it can cover other expenses for covered trips. However, credit card policies vary — and this is where I went wrong.

We booked the flights to New York on an American Express Business Platinum Card but used a different card for the return flights. That meant the Amex trip-delay protection did not apply: its terms require the full round-trip fare to be charged to the eligible card.

I had split the flights across cards to preserve Chase's bag-delay protection, but I didn't realize I was giving up the Amex protection in the process, so the $103 spent on dinner after the diversion wasn't covered. For future trips, I'll use only one credit card with good travel protections for all my trip expenses to reduce complications.

Airlines may also provide some compensation for flight disruptions. In our case, my family was reimbursed for a hotel stay ($185) on the night they were diverted. When delayed, I always keep receipts of all my added expenses to submit to the appropriate parties.

Overall, although our vacation had a rocky start and cost more than we planned, we had a great trip and are glad we pushed through it.

Missing a flight always seems avoidable in hindsight, and some things are beyond anyone's control, but with a few precautions, we can travel more confidently. Next time, I'm booking the extra hotel night.

• I flew on a "boutique" Taiwanese airline called Starlux, and it blew me away.
• The seat was like a private pod, and the food was some of the best I've ever had.
• The crew seemed rushed during boarding, but were impeccable inflight.

I'm a regular business-class traveler, having flown on dozens of airlines and hundreds of thousands of miles over the years.

I often get asked the same question: What's the best business-class seat you've ever flown in?

It's not the usual fan favorites of Singapore Airlines or Emirates. It's Starlux Airlines, a Taiwanese carrier many Americans have never heard of.

Starlux first flew in January 2020 and bills itself as a "boutique" international airline that operates nonstop flights from Taipei to several US cities, including Los Angeles, San Francisco, and Seattle.

My flight was on an Airbus A350-900 from Taipei to San Francisco, a nearly 12-hour overnight flight. It was the second leg of a trip that started in Kuala Lumpur, and the entire itinerary cost 85,000 Alaska Airlines miles.

The cash fare on this route ranges from $2,600 to over $5,000, depending on the season, so the points redemption — Alaska is a Starlux partner — was a very good deal. And the experience blew me away.

The whole idea from the beginning was to build a luxury airline from nothing with meticulous attention to detail and an emphasis on the small stuff.

After flying Starlux, those minor details made all the difference. Here's what my flight was like and why I'd easily book again.

The seat felt like a private suite

Every seat in Starlux's business class opens straight into the aisle, and every one has a sliding door. The cabin is decorated with faux marble finishes and shiny black panels. It honestly looks more like a boutique hotel lobby than the inside a plane.

This extreme attention to detail is what sold me most.

My favorite example: there's a little gap under the storage cabinet door, so you can leave a charging cable running out of it with the door closed. Exploring the seat illuminated several thoughtful design choices. The pod felt deliberate in a way some brand-new airline seats just aren't.

Some people call business class doors a gimmick, mostly because they don't go all the way up. I loved mine anyway. Once the seat was flat and the door was shut, it felt like my own little room, further emphasized by the warm mood lighting, pristine leather accents, and large seat walls.

A flight attendant handed me pajamas before we'd even pushed back, so I changed right away.

After dinner, the crew made up my bed with a thick mattress pad and one of the softest blankets I've ever been given on a plane.

The footwell angles inward slightly, which makes it feel a bit tight when you're lying flat, but I slept well regardless. On an overnight flight this long, that's what matters most.

The food was some of the best I've had in the air

Dinner is where Starlux left every other business-class flight behind.

It started with warm, fluffy garlic bread, which felt out of place alongside the Asian meal, but I was thrilled to see it. When the flight attendant came to clear my appetizer, she asked if I'd like more bread, to which I obviously said yes.

Then a creamy miso mushroom soup showed up, and I'm not exaggerating when I say it's one of the best things I've eaten on a plane. It was rich and savory, the kind of thing I can still taste if I think about it today.

The main was beef with fried rice, which was flavorful and cooked to perfection.

Dessert was Italian gelato that was actually soft enough to eat straight away, which basically never happens with ice cream at 38,000 feet.

Breakfast before landing: waffles with figs were also notable. One of the few airline breakfasts I'd happily order again.

All of the food served looked as good as it tasted. Every course was properly plated, the flight attendant talked me through each dish, and she reset my table between courses without me noticing.

The crew truly elevated the experience

Starlux isn't perfect, and the first 20 minutes of my flight proved it. Pre-flight service felt as if the crew was simply going through the motions rather than trying to create a good experience.

But when the meal service started, it was like a switch flipped.

One flight attendant greeted me by name and knelt down next to my seat to take my order. At one point, my seatbelt locked up while I was reaching for my amenity kit; she saw it happen and handed me the kit before I'd said a word.

My main course came out a few minutes late, and she apologized profusely for it, which she really didn't need to do, but it tells you what standard this crew holds itself to.

By the time dinner was over, even the crew members who'd seemed checked out at first were warm and attentive. When I woke up and asked for tea, it was there almost immediately, with lemon and sugar on the side.

I love how fun Starlux is

The other thing I love about Starlux is that it doesn't take itself too seriously.

There's a space theme running through the whole airline, from the Galactic Lounge in Taipei to the COSMILE loyalty program. Since 2024, it's been working with Peanuts, so Snoopy turns up on themed flights and merch.

On my flight, the entertainment screen displayed a Snoopy welcome for me, and I still carry my things in a Starlux Snoopy tote bag.

Even the toilet paper is custom printed with a runway design. All of these things make the airline feel like it's enjoying itself.

Starlux got the three things that actually matter right: the seat, the food, and the crew. And it did it with a sense of fun that a lot of the big-name carriers have somehow lost along the way.

I've flown business class on dozens of airlines, including some of the world's most famous seats. If you're flying between the West Coast and Asia, I'd book Starlux.

Starlux did not respond to a request for comment from Business Insider.