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
Bank of America
Auto rental collision damage
Emergency evacuation and transportation
Lost luggage reimbursement
Premium roadside assistance
Trip cancellations and interruptions
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
Most credit card companies ask customers to follow these steps to file an insurance claim:
Contact the claims administrator at the company’s phone number or claims website within a specified time period.
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.
Send your completed form and documentation to the designated address. Some credit card companies let you upload and send these documents online.
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.
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.
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
It depends on your credit card. Many trip cancellation policies include common events such as illness, injury, or inclement weather in their coverage.
American Express, Chase, Capital One, Citi and Bank of America all provide business credit cards with complimentary travel insurance options. Some of the best travel business credit cards will offer travel insurance. The entire Chase Ink Business card travel insurance line, for example, offers rental collision damage, travel and emergency assistance and roadside dispatch.
It depends on your credit card. Most insurance benefits work internationally, though some such as rental car collision damage insurance are subject to limitations.
A card with secondary collision damage insurance will only kick in after your primary insurance applies to the loss first.
Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.
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