Edited by: Jessica Merritt
& Juan Ruiz
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Securing travel insurance has become a priority for many travelers, but most people don’t know that you can actually get a substantial amount of travel insurance and coverage just from your credit card!
That said, not all credit cards offer the same level of travel insurance benefits. Read on to see a breakdown of travel coverages and benefit levels by card, as each has widely differing benefits. We’re exploring the travel insurance coverages offered on a select group of popular travel rewards cards.
|Card||Welcome Offer||Annual Fee||Best For|
|Best Overall Value for Travel Insurance|
|Best for Premium Travel Insurance|
|Best Amex Card for Travel Insurance|
|Best Capital One Card for Travel Insurance|
|Best United Card for Travel Insurance|
|Best Overall Value Business Card for Travel Insurance|
|Best Premium Business Card for Travel Insurance|
Chase is a major credit card issuer known for offering a strong selection of travel insurance benefits on its cards. As one of our top recommended cards, the Chase Sapphire Preferred card comes with a long list of valuable benefits and perks, including several travel insurance coverages.
Here are the major travel insurance coverages and protections you’ll get with this card:
In addition to having a fine selection of travel benefits, the Chase Sapphire Preferred card stays at the top of our list for a lot of reasons.
Want a premium travel rewards card delivering a collection of travel benefits that’s difficult to beat? The Chase Sapphire Reserve card might be a fit.
Here’s a sample of the premium travel insurance benefits you can expect on the card:
While the Chase Sapphire Reserve card comes with a higher annual fee, the card could earn its place in your wallet if you spend a lot on travel, find value in worldwide lounge access, and will use the $300 travel statement credit.
See what’s great about the Chase Sapphire Reserve card outside of the travel insurance perks:
Hot Tip: Read our comprehensive article on the benefits of the Chase Sapphire Reserve card for a more detailed look.
Want help deciding which of these Chase cards is a fit for you? We’ve gathered all the information in our comparison of the Chase Sapphire Preferred card vs. the Chase Sapphire Reserve card.
The Amex Platinum card is easily one of the best credit cards for travel. We like it because it earns valuable Membership Rewards points, offers flexible redemption options, and comes with plenty of statement credits for specific purchases.
When it comes to travel insurance benefits and protections, the Amex Platinum card is also a winner. Note that terms may apply and enrollment may be required, so make sure you check your American Express account to ensure you’re enrolled in your benefits!
Here’s what you can expect from the Amex Platinum card in the way of travel insurance benefits:
In addition to useful travel insurance benefits, the frequent traveler will receive elevated earnings on flights and prepaid hotels, travel-related and shopping benefits, flexible redemption choices, and statement credits for select purchases. Note that some benefits require enrollment through your American Express account.
What we like about the Amex Platinum card:
The Capital One Venture X card is Capital One’s ultra-premium personal credit card. This card has a lot of benefits and features going for it, but it’s particularly noteworthy when it comes to travel insurance and protections:
The Capital One Venture X card has other noteworthy benefits and rewards that can help level up your travel:
The United Club Infinite card is the ultimate premium travel credit card for United travelers. In addition to a well-rounded collection of travel benefits, it also offers benefits specific to traveling with United Airlines. Let’s take a look at the travel insurance perks:
Now let’s take a look at what you can expect for United-specific benefits on the card.
While there’s plenty of value for the United Airlines traveler and a good foundation of travel benefits on the card, there are still more reasons to consider the United Club Infinite card:
The Ink Business Preferred card comes with the same travel benefits and protections as the Chase Sapphire Preferred card, with these exceptions:
You can also expect to enjoy these benefits:
The Amex Business Platinum card comes with the same list of travel insurance benefits as the personal version of the card.
Its other features and benefits differ. As with the personal card, terms may apply and enrollment may be required to receive the stated benefits, so verify your enrollment in your American Express account.
Also, you’ll get these incremental benefits:
Hot Tip: Access our comprehensive article on the travel insurance benefits offered on American Express cards for more detailed information.
There are many variations of credit card travel insurance, here is a look at some of the different types of coverage.
Trip cancellation or trip interruption coverage could be a valuable benefit if you need to cancel your trip due to a covered reason such as an illness or if your trip is disrupted due to a covered event such as weather.
Both the Chase Sapphire Preferred card and Chase Sapphire Reserve card provide up to $10,000 per person, $20,000 per occurrence, up to a maximum of $40,000 during a 12-month period.
Several credit cards offer a benefit if your trip is delayed, but many require more than a 12-hour delay and a lower benefit level of $100 per day for up to 3 days. Both of our recommended cards offer elevated benefit levels for delays 6 hours or more and up to $100 a day for up to 5 days.
To learn more about the best credit cards for trip delay coverage, we’ve got all the information you need in our detailed comparison.
A credit card could offer primary car rental coverage or secondary coverage. Secondary coverage requires you to first file a claim with your own insurance, while primary coverage does not.
We like the Chase Sapphire Preferred card best of all because it charges a lower annual fee while still providing a long list of travel insurance benefits, including primary car insurance coverage.
For a list of additional cards with primary car rental insurance, check out our recommendations.
Travel accident insurance is widely offered but seldom used. According to the most recent available data from the Bureau of Transportation Statistics, there were 0 deaths on a U.S. air or commuter carrier in 2020.
However, the best cards for travel accident insurance provide peace of mind that there would be a benefit offered if an accidental death or dismemberment should occur. We like that these cards offer up to $1,000,000 in coverage.
Should a medical emergency occur and there is a need for evacuation, you could be facing a steep bill for the expense. According to a leading travel insurance company Allianz, emergency evacuations start at a minimum of $15,000 and can exceed $200,000.
The Amex Platinum card and Amex Business Platinum card provide coverage for emergency evacuation through the associated Premium Global Assistance coverage with no specified limit.
The Chase Sapphire Reserve card and United Club Infinite card come with $100,000 in emergency evacuation coverage plus $2,500 for emergency medical and dental services.
There are several things that can happen to your baggage during your trip. The common carrier could lose your bags, the bags could become damaged, someone could steal your bags, or your bags could just be delayed.
Given that, it is important that you hold one of the best credit cards for lost baggage if things go wrong during your trip. These coverages can offer up to $100 per day for a maximum of 5 days if your baggage is delayed for more than 6 hours, or up to $3,000 per covered person for lost luggage.
Roadside assistance (or roadside dispatch, as it can commonly be referred to) usually means you’ll have a dedicated phone line to call for referral services when you have a vehicle roadside emergency.
Services can include towing, tire changes, emergency fuel, and other related vehicle breakdown-related services. Basic roadside assistance coverage comes complimentary on a lot of the best credit cards for roadside assistance.
The main benefit of having a credit card with travel insurance is simply that it can save you money, time, and stress if anything happens to go wrong during your travels.
Having a card with trip delay insurance can cover a hotel and other necessities if your flight is delayed overnight. A card with baggage delay insurance can cover your cost of new clothes and toiletries if the airline misplaces your bag. Renting a car? No need to pay extra for the rental company’s insurance policy when your credit card provides one as a complimentary benefit.
No one wants to think about things going awry during their trip, but these things do happen, and when they do you’ll be immensely thankful that you have a credit card with travel insurance.
Many credit cards come with various levels of complimentary travel benefits and protections. And while credit card travel insurance coverages are not meant to replace a comprehensive travel insurance policy, the coverage may still be sufficient for most of your trips.
We’ll get down to the specifics of which travel insurance coverages are offered on credit cards shortly, but first, let’s talk about some of the limitations of these benefits and protections.
As with all types of insurance, there are exclusions, terms, and conditions. Here are some of the most common ones normally associated with credit card travel insurance:
There can be many other exclusions and conditions for coverage to be valid, which is common with insurance in general, but the travel insurance that comes with your credit card can still offer tremendous value.
The exact process for submitting a claim for your travel insurance protection is going to vary based on your card issuer, but here are a few most-do things.
Give a call to the bank that issues the credit card that you have your travel protection through and let them know the issue you are having. They can then walk you through your coverage details, what you need to do to submit a claim, and how long it might take to expect your reimbursement.
You can get a good idea of the purchases that should and should not be covered by reading the policy terms that your credit card provides. If you’re filing a claim for trip delay insurance, then reasonable purchases like a hotel stay, meals, etc., should be covered. However, extravagant or unnecessary purchases, such as a new laptop, are likely to be denied.
When you submit your claim, you’ll need to provide proof of all the purchases you made and their amounts to be reimbursed. Keep the receipts of every expense you incur and consider making copies of any receipts that aren’t digital.
The coverage you have on your credit cards may be sufficient to not only provide peace of mind, but serve as a more-than-adequate backup coverage if the airline or other travel provider doesn’t come through should something go wrong during your travels.
Also, keep in mind that premium travel rewards cards can come with higher annual fees. If you don’t find value in these elevated benefit levels, selecting a card with fewer benefits and a lower annual fee may be an appropriate alternative.
Keep in mind that we have not listed every benefit on each card and descriptions have been abbreviated. Before traveling, you should reference your card’s benefits guide or call the number on the back of your card for specific coverage information.
Plus, if you’re planning an expensive and/or complicated trip, it’s best to purchase a travel insurance policy that will cover that specific trip or an annual travel insurance policy that covers all of the trips you might take in those 12 months.
If you’re worried about canceling a trip for reasons not listed in the card’s coverage description, you could consider Cancel for Any Reason insurance. Credit card travel insurance will not cover a voluntary cancellation.
To learn more about purchasing travel insurance, check out our additional articles on the topic:
If you’re comfortable with the economic risk associated with a specific trip being disrupted, there’s no need to purchase a stand-alone travel insurance policy.
For the car rental collision damage coverage benefit of The Platinum Card® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance and trip delay insurance benefits of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/
For the car rental collision damage coverage benefit of The Business Platinum Card® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance and trip delay insurance benefits of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/
All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our Medical & Legal Disclaimers.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The best credit cards for travel insurance are generally premium travel rewards credit cards issued by Chase, Capital One, or American Express.
However, the best overall card for you may not be the one with the best travel insurance coverage. Other factors, such as earnings that match up with your greatest spending categories, redemption priorities, and the card having specific benefits you will actually use, should play key roles in selecting the best credit card for you.
Credit card travel insurance can be worth it if you ever have to use it. For example, if you pay for your rental car with your card and have a covered accident, the coverage would have tremendous value.
The travel insurance coverage that comes complimentary on your credit card can also serve as backup coverage if the travel provider does not come through with compensation. For example, if your flight is disrupted due to weather and the airline will not cover a hotel, your credit card insurance trip interruption or delay insurance may provide some coverage.
If you’re spending a lot of money on a multi-faceted trip that involves several travel providers and you have money tied up in non-refundable deposits, you may want to consider purchasing travel insurance.
If you just pay for a flight and hotel with your eligible card, the coverage that comes with the card may be more than sufficient.
Yes. If you pay for your trip with your eligible card and/or with points/miles earned on that card, you would have coverage for a covered loss.
The trip cancellation insurance that comes with your credit card covers limited reasons for canceling your trip. Voluntary cancellation is not one of those reasons. If you or a family member becomes ill and you cannot travel, however, this situation could be covered.
If you are concerned that you may have to cancel a trip, you should consider purchasing refundable travel or Cancel for Any Reason insurance.
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