Compare credit cards with travel insurance | finder.com
travel accessories such as handbag, cellphone, passport, sunglasses, etc.

Compare credit cards with travel insurance

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Find a card that helps you stay protected while traveling.

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 card with travel coverage

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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Compare credit cards that offer travel insurance

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards? Points when you spend $2,000 in the first 3 months Rates & Fees
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees

Compare up to 4 providers

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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 cell phone.

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

Credit card company Travel insurance offered
American Express
  • Baggage
  • Car rental
  • Premium roadside assistance
  • Travel accident
Bank of America
  • Auto rental collision damage
  • Baggage delay
  • Emergency evacuation and transportation
  • Lost luggage
  • Trip cancellations and interruptions
  • Trip delay
Barclaycard
  • Auto rental collision damage
  • Baggage delay
  • Baggage loss
  • Travel accident
  • Trip cancellation and interruption
  • Trip delay
Capital One
  • Auto rental collision damage
  • Lost luggage reimbursement
  • Travel accident insurance
Chase
  • Auto rental collision damage
  • Baggage delay
  • Emergency evacuation and transportation
  • Lost luggage
  • Trip cancellation
  • Trip delay
Discover N/A
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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 car rental and luggage delays, and most credit card insurance policies only cover up to a certain dollar amount per year.

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.

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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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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.

Frequently asked questions

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Images: Shutterstock

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