Compare credit cards with travel insurance

Find a card that helps you stay protected while traveling.

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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.

Our pick for a credit card with travel insurance

Luxury Card Mastercard® Black Card™

  • Stainless steel—Outweighs the competition with 22 grams
  • 2% point value when you redeem for airfare
  • 1.5% point value when you redeem for cash back
  • Enjoy 24/7 access to Luxury Card Concierge
  • $100 annual airline credit toward qualifying airline purchases
  • $100 Global Entry application fee credit
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Compare credit cards that offer travel insurance

Name Product Welcome offer Rewards Annual fee Filter values
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $4,000 in the first 3 months. Rates & fees
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.

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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.
  • Premium roadside assistance.
    Provides coverage for roadside assistance such as towing.
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    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 Express Bank of America Barclaycard Capital One Chase Discover
    Auto rental collision damage cross-icons transparent-green-tick transparent-green-tick transparent-green-tick transparent-green-tick cross-icons
    Baggage transparent-green-tick cross-icons cross-icons cross-icons cross-icons cross-icons
    Baggage delay cross-icons transparent-green-tick transparent-green-tick cross-icons transparent-green-tick cross-icons
    Baggage loss cross-icons cross-icons transparent-green-tick cross-icons cross-icons cross-icons
    Car rental transparent-green-tick cross-icons cross-icons cross-icons cross-icons cross-icons
    Emergency evacuation and transportation cross-icons transparent-green-tick cross-icons cross-icons transparent-green-tick cross-icons
    Lost luggage cross-icons transparent-green-tick cross-icons transparent-green-tick transparent-green-tick cross-icons
    Lost luggage reimbursement cross-icons cross-icons cross-icons transparent-green-tick cross-icons cross-icons
    Premium roadside assistance transparent-green-tick cross-icons cross-icons cross-icons cross-icons cross-icons
    Travel accident transparent-green-tick cross-icons transparent-green-tick transparent-green-tick cross-icons cross-icons
    Trip cancellation cross-icons cross-icons cross-icons cross-icons transparent-green-tick cross-icons
    Trip cancellations and interruptions cross-icons transparent-green-tick transparent-green-tick cross-icons cross-icons cross-icons
    Trip delay cross-icons transparent-green-tick transparent-green-tick cross-icons transparent-green-tick cross-icons
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    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.

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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.
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Learn about the travel insurance policies offered by each card issuer

Business people on a meeting
Chase logo
Bank of America logoBank of America logo
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Barclays logoBarclaycard logo

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

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