There is a trip cancellation/trip interruption coverage through my credit card. Generally, do you recommend a third party insurance on top of this coverage?

Obviously insurance purchase is at the discretion of the trip guest.

I don’t have a lot of experience with it myself, but as a general rule, the people who’ve purchased 3rd party Trip Insurance seem to be happy with it.

If your card covers things, and you’re comfortable with that, then that’s obviously fine.

I’d recommend going over their policy closely and gauging exactly what they do and do not cover, and comparing that against a 3rd party policy. Speak to an agent and discuss the differences with them, and weight the pros and cons as works best for you.