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Credit cards with trip delay insurance

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You could receive up to $500 in coverage per fare.

Trip delays are a big hassle. But if you’ve paid for your fare with the right credit card, you may be compensated for what you spend during a delay.

What is trip delay insurance?

Trip insurance offers reimbursement for reasonable expenses incurred during delays on eligible forms of transportation. For example, you might be reimbursed if you have to stay in a hotel overnight due to a flight delay.

If you want to use your card’s trip delay insurance, be aware of when it applies and any special rules from your provider.

What expenses does trip delay insurance cover?

Here are common items that trip delay insurance might reimburse you for. Eligible expenses vary by provider. Check your card’s benefits guide to confirm.

What may be coveredWhat may not be covered
  • Meals
  • Lodging
  • Toiletries
  • Medication
  • Ground transportation
  • Prepaid expenses
  • Airline vouchers for vacating
  • overbooked flights

What you should know about trip delay insurance

  • Pay for your fare with your credit card.
    With most providers, you’ll qualify if you pay for at least a portion of your fare with your card. Some providers require you to pay for your entire fare with your card.
  • It’s valid for common-carrier travel.
    Typically this term refers to major public transportation that requires a purchased ticket. It might not include taxis, rental vehicles or limousines. And your provider might bar other forms of transportation such as commuter buses.
  • There will be a maximum amount of coverage per purchased ticket.
    This is usually $500.
  • Your travel must be delayed for a covered reason.
    Reasons might include poor weather, equipment failure or labor strikes. But it doesn’t include mishaps such as oversleeping or getting stuck in traffic.
  • Your travel must be delayed by a significant amount of time.
    This usually means it’s delayed by more than six to 12 hours or you’re grounded overnight.

How to get trip delay insurance

Travel insurance providers offer policies that cover trip delays. But you can get trip delay insurance at no additional cost with certain credit cards.

Which cards have trip delay insurance?

CardTrip must be delayed by at least…Maximum coverageAnnual fee
Chase Sapphire Reserve®6 hours or overnight stay$500 per ticket$450
Chase Sapphire Preferred® Card12 hours or overnight stay$500 per ticket$95
Citi Prestige® Credit Card6 hours$500 per ticket$495
Citi Premier℠ Card12 hours$500 per ticket$95
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®12 hours$500 per ticket$99 (waived for the first 12 months)
Ink Business Preferred℠ Credit Card12 hours or overnight stay$500 per ticket$95
Luxury Card Mastercard® Black Card™6 hours$300 per trip ($600 per 12-month period)$495
Luxury Card Mastercard® Gold Card™6 hours$300 per trip ($600 per 12-month period)$995
Luxury Card Mastercard® Titanium Card™6 hours$300 per trip ($600 per 12-month period)$195
Marriott Bonvoy Boundless™ Credit Card12 hours or overnight stay$500 per ticket$95
The World of Hyatt Credit Card12 hours or overnight stay$500 per ticket$95
United MileagePlus® Club card12 hours or overnight stay$500 per ticket$450
United℠ Explorer Card12 hours or overnight stay$500 per ticket$0 intro annual fee for the first year, then $95

Chase trip delay insurance

Chase is one of the go-to providers for trip delay insurance. It offers several travel cards with this benefit, and many of them have annual fees of just $95 a year.

The Chase Sapphire Reserve® offers the best benefit among the provider’s cards, as coverage can apply after your trip is delayed for six hours. Most other cards require a minimum delay of 12 hours.

Credit cards with Chase trip delay insurance

  • Chase Sapphire Reserve®
  • Chase Sapphire Preferred® Card
  • Ink Business Preferred℠ Credit Card
  • Marriott Bonvoy Boundless™ Credit Card
  • The World of Hyatt Credit Card
  • United MileagePlus® Club card
  • United℠ Explorer Card

Compare credit cards with trip delay insurance

Name Product Foreign transaction fee Welcome offer Rewards Filter values
None
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
None
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
None
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
None
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
None
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months

Compare up to 4 providers

How can I use my trip delay insurance?

  1. Call your benefit administrator — the entity that distributes trip-delay claims — within a certain period of time of the qualifying incident. This is usually 60 days.
  2. Explain the incident details to your benefit administrator and get a claim form.
  3. Complete the form with relevant documents.
  4. Return forms and documents to your benefit administrator.

You can find your benefit administrator’s contact and mailing information in your card’s guide to benefits.

Who gets to use credit cards with trip delay insurance?

Trip delay insurance usually applies to you, your spouse and dependent children. Your provider may extend coverage to other family members, such as your parents, grandparents, aunts or uncles, and nieces or nephews.

Bottom line

You might use trip delay insurance rarely, but it can be extremely useful when it finally kicks in. To receive coverage, follow your provider’s guidelines and know what number to call to make a claim.

Many travel credit cards come with a variety of travel insurance. Compare travel credit card options to find the right card with the right type of insurance for you.

Frequently asked questions

Pictures: Getty Images

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