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News: 10 Credit Cards That Provide Travel Insurance - Credit-Land.com

When you travel a lot, odds are you'll experience a delayed or cancelled flight, lost or damaged luggage, or a medical emergency at some point. Of course, you can buy separate travel insurance, or you can save money and get a credit card with travel insurance.

There are various credit cards that offer travel insurance. Typically, the better travel insurance benefits are, the higher the card's annual fee will be. To be able to use your credit card travel insurance, you usually need to use your credit card to pay for flights, rental cars, and other travel expenses. Here are some common travel insurance benefits a credit card can offer:

  • Baggage delay. You may receive a reimbursement if your baggage does not arrive on time. The length of delay required and the coverage offered vary by card.
  • Lost or damaged luggage. If a carrier loses or damages your bags, your credit card may provide monetary compensation.
  • Trip delay. If your trip on a common carrier is delayed, you may receive monetary compensation to help cover new, unexpected costs that arise as a result of this (up to a certain amount per ticket).
  • Trip cancellation. If you need to cancel (for covered reasons) a prepaid, nonrefundable trip, you may receive compensation to offset eligible prepaid expenses.
  • Trip interruption. If you miss a portion of your trip due to a covered reason, this benefit will reimburse you for any unused, prepaid, nonrefundable reservations (exclusions may apply).
  • Medical treatment. If you are hurt while traveling and require medical treatment, medical expenses may be covered up to a certain dollar amount.
  • Medical evacuation. If your illness or injury requires you to return home immediately for care, the insurance coverage through your card may cover the costs.
  • Travel accident insurance. In the case of accidental death or dismemberment, your credit card may provide coverage to you or your beneficiary.
  • Auto rental collision damage waiver. This coverage protects your rental car against theft and damage. Coverage may be primary or secondary to your personal auto insurance, depending on the card.

Here we've picked ten excellent travel credit cards that typically offer generous travel insurance protections:

  • Chase Sapphire Reserve®* offers comprehensive travel insurance. Annual fee: $795.
  • Chase Sapphire Preferred® Card* offers robust travel insurance at a rather low annual fee of $95.
  • American Express Platinum Card®* offers travel insurance and upgraded perks. Annual fee: $895.
  • Capital One Venture X Rewards Credit Card offers premium perks at a moderate annual fee of $395.
  • Citi Strata Premier® Card offers travel insurance and good Citi ThankYou® Points. Annual fee: $95.
  • Citi Strata Elite℠ Card offers travel insurance and premium benefits. Annual fee: $595.
  • Bank of America® Premium Rewards® Elite credit card* offers premium perks. Annual fee: $550.
  • United℠ Explorer Card offers travel benefits to United customers. Annual fee: $0 introductory annual fee for the first year, then $150.
  • Marriott Bonvoy Brilliant® American Express® Card* offers travel insurance benefits to Marriott Bonvoy loyal customers. Annual fee: $650.
  • Hilton Honors Aspire Card from American Express* offers travel benefits and perks to Hilton Honors loyal customers. Annual fee: $550.

Even though credit cards offer travel insurance benefits, they may not provide enough insurance for your needs. Plus, there are specific conditions when select insurance benefits kick in. Therefore, it would be wise to check with your issuer what is covered, when it is covered, and if the coverage is enough. If you need additional insurance, then consider buying a stand-alone travel insurance policy.

*The information for the following product(s) has been collected independently by Credit-Land.com: Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, American Express Platinum Card®, Bank of America® Premium Rewards® Elite credit card, Marriott Bonvoy Brilliant® American Express® Card, Hilton Honors Aspire Card from American Express. The card details on this page have not been reviewed or provided by the card issuer. Product details may vary. Please see the issuer website for current information. Credit-Land.com does not receive commission for this product.

tags : Credit Card Benefits Credit Cards Travel Insurance

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.