Canada
ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Top 5 travel insurance credit cards March 2026

Travel these days is rather unpredictable. If you travel often enough, you might have experienced a cancelled or delayed flight, medical emergency, or lost luggage. Therefore, it's recommended to always have travel insurance or at least a credit card that provides travel insurance. You might even be using one of such cards to book your trips and may not know you are covered (or what is or isn't covered) by the travel insurance benefit. If you don't have such a card, consider getting a credit card with built-in travel insurance that reimburses you for unexpected calamities. Below are best offers from our partners.

Show more

#1 offer

#2 offer

#3 offer

#4 offer

#5 offer

Capital One Venture X Rewards Credit Card Citi Strata Premier® Card Capital One VentureOne Rewards Credit Card Capital One Venture Rewards Credit Card Citi Strata Elite℠ Card
apply now apply now apply now apply now apply now
on Capital One's secure website
on Citi's secure website
on Capital One's secure website
on Capital One's secure website
on Citi's secure website
Travel Rewards
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn 6 Points per $1 spent on Air Travel booked on cititravel.com
Trip Cancellation/Interruption
Yesµ
Reimbursement up to $5,000 per trip, with a $10,000 maximum per accountµ
Noµ
Reimbursement up to $1,500µ
Trip Cancellation and Trip Interruption (Common Carrier)µ
Auto Rental Coverage
Auto Rental Collision Damage Waiverµ
Provides primary Auto Rental Collision Damage Waiver (CDW)µ
Provides primary Auto Rental Collision Damage Waiver (CDW)µ
Auto Rental Collision Damage Waiverµ
MasterRental Coverage (Car Rental)µ
Travel and Emergency Assistance
Yesµ
Yesµ
24/7 access to connect with local emergency and assistance resourcesµ
Provide a 24/7 benefit administratorµ
Yesµ
Lost Luggage Reimbursement
Yesµ
Yesµ
See termsµ
Yesµ
Yesµ
Foreign Transaction Fee
None
0%
None
None
0%
apply now apply now apply now apply now apply now
on Capital One's secure website
on Citi's secure website
on Capital One's secure website
on Capital One's secure website
on Citi's secure website

What is
credit card travel insurance?

Credit card travel insurance protects you from unforeseen expenses associated with travel, both domestic and international. You can be covered for things like cancelled or delayed flights, medical emergencies, accidents, lost luggage, and more. Every credit card is different, and the set of coverages can be different as well. You can check the card's terms and conditions or contact the issuer directly to see whether your card offers travel insurance, what it covers, how much it covers, and what exclusions apply.

Protective benefits are usually offered on premium travel credit cards. Other credit cards may not offer a full set of travel insurance benefits but may come with certain travel-related protections. Travel insurance through a credit card only covers the expenses that you charge to that specific card. So if you want to use protections offered by your card, make sure all your travel expenses are charged to that card.

Medical insurance
Covers medical costs if your primary insurance won't cover them.
Lost baggage insurance
The benefit reimburses you for items in your bags.
Trip delay reimbursement
Reimburses additional expenses due to a delayed flight.
Trip cancellation & interruption insurance
Kicks in when you must cancel or interrupt your trip due to unforeseen circumstances.
Travel accident insurance
Covers accident-related injuries and deaths.

What does credit card travel insurance cover?

While credit cards with free travel insurance can provide some protections and give peace of mind if the unexpected occurs while on travel, they do not offer complete coverage. Here are some common situations credit card travel insurance may cover and some common exclusions that aren't typically reimbursable:

  • Trip cancellation and interruption: this benefit kicks in when you must cancel your trip or end it early due to unforeseen circumstances, which can include unexpected health issues, accidental injuries, the death of an immediate family member or someone in your travel party, and severe weather. There are also situations that are not typically covered by this type of insurance. For example, pre-existing medical conditions are not usually covered. Maximum reimbursement amounts depend on your credit card and can vary significantly.
  • Trip delay: a delayed flight may cause additional expenses, such as a hotel stay or meals while you are waiting for your next flight. If you use a credit card that has trip delay insurance, certain reasonable costs you incur during the delay might be covered. To qualify for reimbursement, your original flight must typically be delayed by a certain number of hours. Different credit cards' policies vary on how long the delay must be before the coverage kicks in.
  • Lost or delayed baggage: this benefit reimburses you the cost of necessary personal items while you wait for your checked bag when it's delayed or lost. However, not all items qualify. Jewelry, watches, electronics, cameras, and some other items aren't usually covered. Items like a change of clothes and toiletries are covered.
  • Rental car insurance: when you pay for a rental car with your credit card, you might be able to skip the added cost of buying insurance through the rental company. However, keep in mind that this insurance only pays for physical damage or theft of your rental vehicle. It doesn't cover your liability to other drivers or injuries you may sustain.
  • Travel accident insurance: in case of severe injury or death, you or your family members could receive the benefit if you booked and paid for your trip with a credit card that offers travel accident insurance.

When credit card travel insurance is not enough

Even if you have a credit card that offers a full spectrum of travel protection benefits, you may still want to purchase travel insurance for some trips. Every trip is different, and every traveler has different needs and concerns. When it is a short trip within the U.S., the travel insurance offered through a credit card may suffice. But if it's international travel and sightseeing is not enough for you, it may be a good idea to opt for a stand-alone travel insurance policy.

Here are some scenarios and trips for which it may make sense to purchase travel insurance:

  • Travel protections you need aren't offered: not all credit cards provide extensive travel protections when you book travel using the card. So, if your card has no travel protections or only offers limited travel protections, you may want to purchase travel insurance.
  • Some travelers aren't covered: travel protections offered by a credit card usually only extend to select relatives of the primary cardholder. Your credit card travel insurance may not cover all relatives, friends, and employees.
  • Your travel includes extreme activities: if the activity you are planning is excluded from most insurance policies (like skydiving, free soloing, or diving), you may want to purchase a travel insurance policy that explicitly includes your activity of choice.
  • You have pre-existing conditions: most credit card trip cancellation and interruption insurance benefits exclude cancellations and interruptions caused by a sudden recurrence of a pre-existing condition. So, you may want to purchase travel insurance that covers your pre-existing condition.
  • Non-medical emergency evacuation: Some evacuation benefits may not cover every evacuation you might need. Thus, if you want evacuation during natural disasters, political unrest, or unforeseen emergencies, you should purchase travel insurance that covers those costs.
  • Cancel for any reason: if you are uncertain whether you'll be able to take your trip and are worried that applicable credit card trip protections won't reimburse you if you have to cancel or interrupt your trip for a reason that isn't covered, then you may want to purchase Cancel for Any Reason trip insurance.

Let's compare credit cards with
travel insuranceBY MAIN
FEATURES:

viewing 0-0 of 0
Apply for Capital One VentureOne Rewards Credit Card Application - Credit-Land.com
Compare
apply now
on Capital One's secure website
#1 OFFER
Apply for Citi Strata℠ Card Application - Credit-Land.com
Compare
apply now
on Citi's secure website
Apply for Capital One Venture X Rewards Credit Card Application - Credit-Land.com
Compare
apply now
on Capital One's secure website
Apply for Citi Strata Premier® Card Application - Credit-Land.com
Compare
apply now
on Citi's secure website
Apply for Capital One Venture Rewards Credit Card Application - Credit-Land.com
Compare
apply now
on Capital One's secure website
Apply for Citi Strata Elite℠ Card Application - Credit-Land.com
Compare
apply now
on Citi's secure website
Apply for Citi Double Cash® Card Application - Credit-Land.com
Compare
apply now
on Citi's secure website
Bonus Offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee
$0
$0
$395
$95
$95
$595
$0
Travel Insurance
  • Auto rental insurance*µ
  • Travel assistance services*µ
  • Extended warranty*µ
  • Emergency Card Replacementµ
  • *Benefit available to accounts approved for the World Elite Mastercard product, subject to terms, conditions, and exclusions in the World Elite Mastercard Guide to Benefits. See Account Terms or Application Terms for more detailsµ
N/Aµ
  • Trip Cancellation and Interruption*µ
  • Trip Delay Reimbursement*µ
  • Baggage Delay Reimbursemen*µ
  • Auto Rental Collision Damage Waiver*µ
  • *For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions applyµ
  • Trip Delay Protectionµ
  • Enhanced Trip Cancellation and Trip Interruption Protectionµ
  • Lost or Damaged Luggageµ
  • MasterRental Coverage (car rental insurance)µ
  • Extended Warranty and Purchase Assurance Plusµ
  • Travel Assistance Services*µ
  • MasterRental Insurance*µ
  • Extended Warranty*µ
  • Trip Cancellation/Interruption Coverage*µ
  • *Benefit available to accounts approved for the World Elite Mastercard product, subject to terms, conditions, and exclusions in the World Elite Mastercard Guide to Benefits. See Account Terms or Application Terms for more details. Terms, conditions and exclusions apply.µ
  • Trip delay protectionµ
  • Trip cancellation and Interruption protectionµ
  • Lost or Damaged luggage coverageµ
  • MasterRental Coverage (Car Rental)µ
N/Aµ
0% Intro APR on Purchases
0% intro on purchases
0%
N/A
N/A
N/A
N/A
N/A
Ongoing APR on Purchases
18.49% - 28.49% (Variable)
18.49% - 28.49% (Variable)
19.49% - 28.49% (Variable)
19.49% - 27.49% (Variable)
19.49% - 28.49% (Variable)
20.49% - 28.49% (Variable)
17.49% - 27.49% (Variable)
Max Rewards
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com.
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
Earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Rewards on all Purchases
Earn unlimited 1.25X miles on every purchase, every day
Earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
2X Miles per dollar on every purchase, every day
Earn 1 Point per $1 spent on all other purchases
Earn unlimited 2X miles on every purchase, every day
Earn 1.5 Points per $1 spent on All Other Purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Redemption Options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel. Transfer your miles to your choice of 15+ travel loyalty programs
Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ
Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.comµ
Rewards Expiration
Miles won't expire for the life of the account and there's no limit to how many you can earn
Your Points won't expire.µ
Miles won't expire for the life of the account and there's no limit to how many you can earnµ
No expiration and no limit to the amount of points you can earn with this card
Miles won't expire for the life of the account and there's no limit to how many you can earn
Your Points won't expire.µ
Your points will never expire as long as your account remains open.µ
Credit Card Usage (Network)
Use Anywhere Mastercard® is Accepted
Use Anywhere Mastercard® is Accepted
Use Anywhere Visa® is Accepted
Use Anywhere Mastercard® is Accepted
Use Anywhere Mastercard® is Accepted
Use Anywhere Mastercard® is Accepted
Use Anywhere Mastercard® is Accepted

must read NEWS AND RESEARCH
ABOUT CHECKING ACCOUNTS

News: Citi Will Offer Paze to Credit Cardholders - Credit-Land.com
Mar 20, 2026

Citi Will Offer Paze to Credit Cardholders

Early Warning Services, the operator of Paze®, announced that Citi will offer Paze to its credit...

Top 5 travel insurance credit cards March 2026

Top 5 travel insurance credit cards March 2026

Travel these days is rather unpredictable. If you travel often enough, you might have experienced a...

EXPLORE MORE CREDIT CARDS BY CATEGORIES

Cash Back
Travel
Balance Transfer
Low Interest
Fair Credit

comments ABOUT TRAVEL INSURANCE
CREDIT CARDS🜂

YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!