Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare credit cards with travel insurance

Find a card that helps you stay protected while traveling.

Updated

Fact checked
Many credit card providers offer a benefits package with travel insurance. You can spend more wisely, however, by picking a card with the coverage that best suits your personal needs.

Compare credit cards that offer travel insurance

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
9x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
Southwest Rapid Rewards® Priority Credit Card
40,000 points after spending $1,000 in the first 3 months
2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
$149
Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
IHG® Rewards Club Premier Credit Card
125,000 points after spending $3,000 in the first 3 months
25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases
$89
125,000 points after spending $3,000 in the first 3 months.
loading

Compare up to 4 providers

Back to top

What does credit card travel insurance cover?

You can get coverage for anything from car rental damage to trip interruption. These policies are considered complementary, though in most cases they’re factored into the cost of the card.

What types of credit card travel insurance are there?

  • Car rental auto collision damage waiver.
    Get coverage for damage or theft to your rental car purchase. To be eligible, you usually must decline the rental agency’s own protection.
  • Lost or damaged baggage.
    Be reimbursed up to a specified amount for lost or damaged bags.
  • Delayed baggage.
    Pays for the cost of essentials until your luggage arrives.
  • Trip delay.
    Pays to help mitigate the necessary expenses spent if your carrier delays your trip.
  • Trip cancellation and interruption.
    Be reimbursed for a canceled or interrupted trip due to sickness, injury or other eligible events.
  • Travel accident.
    You’ll be compensation should the unthinkable happen and you or an immediate family member suffer a serious injury.
  • Emergency evacuation and transport.
    Get coverage for the cost of evacuation or transport to a care provider should you or an immediate family member become injured.
  • Phone insurance.
    Be reimbursed in the event of damage or theft of your phone with credit card cell phone insurance.
  • Roadside assistance.
    Provides coverage for roadside assistance such as towing.
  • Back to top

    Who does credit card travel insurance cover?

    The cardholder, their spouse or domestic partner, and dependent children under a particular age are covered under most credit card travel insurance policies.

    A common exception is rental car collision damage, which often only protects the name on the rental agreement, and in some cases any authorized drivers.

    Who counts as an eligible family member?

    Generally, immediate family members are eligible family members. This includes your spouse and eligible children. Some policies will extend protection to more than just your immediate family, but it ultimately depends on the provider’s specific insurance agreement.

    Travel insurance coverage by credit card issuer

    American ExpressBank of AmericaBarclaycardCapital OneChaseDiscover
    Auto rental collision damagecross-iconstransparent-green-ticktransparent-green-ticktransparent-green-ticktransparent-green-tickcross-icons
    Baggagetransparent-green-tickcross-iconscross-iconscross-iconscross-iconscross-icons
    Baggage delaycross-iconstransparent-green-ticktransparent-green-tickcross-iconstransparent-green-tickcross-icons
    Baggage losscross-iconscross-iconstransparent-green-tickcross-iconscross-iconscross-icons
    Car rentaltransparent-green-tickcross-iconscross-iconscross-iconscross-iconscross-icons
    Emergency evacuation and transportationcross-iconstransparent-green-tickcross-iconscross-iconstransparent-green-tickcross-icons
    Lost luggagecross-iconstransparent-green-tickcross-iconstransparent-green-ticktransparent-green-tickcross-icons
    Lost luggage reimbursementcross-iconscross-iconscross-iconstransparent-green-tickcross-iconscross-icons
    Premium roadside assistancecross-iconscross-iconscross-iconscross-iconscross-iconscross-icons
    Travel accidentcross-iconscross-iconstransparent-green-ticktransparent-green-tickcross-iconscross-icons
    Trip cancellationtransparent-green-tickcross-iconscross-iconscross-iconstransparent-green-tickcross-icons
    Trip cancellations and interruptionscross-iconstransparent-green-ticktransparent-green-tickcross-iconscross-iconscross-icons
    Trip delaytransparent-green-ticktransparent-green-ticktransparent-green-tickcross-iconstransparent-green-tickcross-icons

    Coverage is subject to change and may only by available for select cards issued by the provider.

    Learn about the travel insurance policies offered by each card issuer

    Barclays logoBarclaycard logo
    Chase logo
    Bank of America logoBank of America logo
    Picture not described
    Citibank logo
    Picture not describedCapital One Logo
    hsbc logo
    Discover logoDiscover logo
    Back to top

    How to file a claim with the credit card issuer

    Most credit card companies ask customers to follow these steps to file an insurance claim:

  1. Contact the claims administrator at the company’s phone number or claims website within a specified time period.
  2. You’ll be sent a claims form and informed of any additional documentation needed for filing. Make the necessary copies and fill out the form.
  3. Send your completed form and documentation to the designated address. Some credit card companies let you upload and send these documents online.
  4. You usually don’t need to do anything afterward, though you can call or check online to monitor the status of your claim.

Is a credit card with travel insurance all you need?

It depends on your coverage needs. Your credit card might only cover a few areas, such as luggage delays, and most credit card insurance policies only cover up to a certain dollar amount per year. If you’re looking for specific coverage, compare credit cards with rental insurance or other policies depending on your needs.

If you’re a frequent traveler or you often travel with family, a credit card might not offer enough insurance to effectively cover you throughout the year. In this case, you’ll want to supplement with other options. Of course, no credit cards offer direct medical insurance, though some issuers offer policies separate from their credit card insurance.

Back to top

How to compare credit cards with travel insurance

Compare by first reviewing your insurance needs along with your spending needs and habits. Here are some factors to consider:

  • Policy details. Does the insurance policy cover all the people you need covered while traveling? Does the offered coverage make the policy worth it? Or are there certain exceptions in the fine print that make the policy a bad fit for your travel needs?
  • Rewards. If a card offers good travel insurance coverage but bad reward earnings on your travel, the card might not be worth it. Ideally, a card should provide great value even if you don’t use the travel insurance.
  • Annual fees. Does the card have a high annual fee? If so, the overall value of the included travel insurance might feel less impactful — particularly if you don’t use the insurance.
  • Interest rates. Finding a card with a reasonable interest rate is helpful if you need to carry a balance over a certain period of time, like when you’re traveling.
  • Additional travel perks. If you travel frequently, consider a credit card that offers great travel perks to make travel easier and more fun.
  • Foreign transaction fees. If you’re traveling abroad, consider a card that waives foreign transaction fees.
Back to top

Bottom line

Credit card travel insurance can provide the coverage you need in the event of an unplanned event or accident on a trip. Plan out your travel and purchasing needs ahead of time to determine which card offers the best travel coverage and purchasing power for you.

If you’re looking for a business credit card that provides travel insurance, compare your range of options to find one that best fits your needs.

Frequently asked questions

Back to top

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site