Credit cards with travel insurance for 2023

Credit cards have a number of benefits. Perhaps the most obvious is that they can help you break down the cost of an expensive purchase into more manageable payments over several months – ideally interest-free. But some also come with a range of perks, such as travel insurance.

However, rather than being offered comprehensive travel insurance with your credit card, you’re most likely to be offered “travel accident insurance”. This will cover accidental death or accidents resulting in a permanent injury. How much cover you get will depend on the card and whether you need to pay an annual fee.

Credit cards with travel insurance comparison table

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Name	Product	Ratings	Finder rating	Customer rating	Travel insurance	Lost or delayed luggage insurance	Medical insurance	Representative APR	Incentive	Link
British Airways American Express® Accelerating Business Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating				108.4% APR (variable)	Earn 1.5 Avios for every eligible £1 spent on purchases. You could also earn an additional 10,000 Avios when you spend £20,000 on purchases using your card up to 3 times a year. Terms apply. Representative example: When you spend £1,200 at a purchase rate of 28.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 108.4% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating				54.8% APR (variable)	Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply. Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Yonder Credit Card (only for London residents) Finder Award		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated				66.7% APR (variable)	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance and no FX fees. Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
Barclaycard Premium Plus Business Credit Card Mastercard		Finder score ★★★★★	★★★★★ Expert analysis	★★★★★ User rating				56.8% APR (variable)	0.5% after £1 of yearly spend. Maximum of £400 cashback paid per year. Cashback paid Anniversary into Card Account. If less than £10 Cashback earned in any Cashback Year, it will not be credited to the account and will not be carried forward to the following year. Representative example: When you spend £1,200 at a purchase rate of 20.2% (variable) p.a. with a fee of £150 per annum, your representative rate is 56.8% APR (variable).	Go to site Read review	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating				113.1% APR (variable)	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £250 per annum, your representative rate is 113.1% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating				88.8% APR (variable)	New welcome offer: Earn 25,000 Membership Rewards® Points when you spend £3,000 in the first 3 months of Cardmembership. Plus spend anything in month 15 and get 5,000 points. Offer ends 9 January 2024. Subject to status. Terms apply. Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The Platinum Card® by American Express Finder Award		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating				704.6% APR (variable)	Earn 75,000 Membership Rewards® points when you spend £10,000 in your first 6 months of Cardmembership. Plus spend anything in month 15 and get 25,000 Membership Rewards® points. Offer ends 9 January 2024. Terms Apply. 18+, subject to status. Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 704.6% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...

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Which credit cards offer free travel accident insurance?

Some of the credit cards that offer free travel accident insurance are outlined below. You’ll notice that all of these are American Express cards.

American Express Preferred Rewards Gold credit card

The Amex Preferred Rewards Gold credit card has an annual fee of £140 (£0 in the first year) and offers the following:

• Travel accident insurance of £250,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.
• Cover for flight delays, overbooking or missed connections of up to £200 if no alternative is made available within 4 hours of the published departure time.
• Baggage delay cover of up to £200 per person for reimbursement costs of essential items if your checked-in baggage has not arrived at your destination within 4 hours of your arrival. This limit increases by an additional £200 if your baggage does not arrive within 48 hours of your arrival.

American Express Platinum Cashback Everyday credit card

The Amex Platinum Cashback Everyday credit card has no annual fee and offers the following:

• Travel accident insurance of £150,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.

Travel delays are not covered.

British Airways American Express credit card

The British Airways American Express credit card has no annual fee and offers the following:

• Travel accident insurance of £75,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.

Travel delays are not covered.

British Airways American Express Premium Plus credit card

The British Airways American Express Premium Plus credit card has a £250 annual fee and offers the following:

• Travel accident insurance of £250,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.
• Cover for flight delays, overbooking or missed connections of up to £200 if no alternative is made available within 4 hours of the published departure time. Up to an additional £400 is payable for overbookings only if alternative arrangements are not provided within 6 hours.
• Baggage delay cover of up to £750 for reimbursement of costs of essential items following baggage delay by an airline for 6 hours. Up to an additional £1,000 is available if baggage has not arrived within 48 hours of your arrival time.

American Express Rewards credit card

The Amex Rewards credit card has no annual fee and offers the following:

• Travel accident insurance of £150,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.

Travel delays are not covered.

Benefits of paying for a holiday on a credit card

Although you won’t get full travel insurance with your credit card, paying for a holiday on a credit card gives you protection through Section 75 of the Consumer Credit Act. This means that if your holiday costs more than £100 and up to £30,000, and you paid either a deposit or the full price on your credit card, you should be able to claim your money back if something goes wrong. Examples include if your airline or holiday company goes under or if the trip isn’t as described.

The cost of your flights or holiday must be more than £100 to be covered, but you don’t have to have paid more than £100 on the credit card to qualify. Instead, it’s the cash price of the holiday or flights that matters. Provided your holiday cost more than £100, even if you only paid a deposit of £50 on your credit card and paid the rest in cash or on a debit card, you’ll still be covered for the full amount.

What is covered?

Under Section 75, you’ll be covered against the following:

• The travel company, airline or accommodation provider going bust
• The holiday not being as described
• Your travel provider cancelling the holiday
• Additional expenses that you have to pay for through no fault of your own – for example, if you have to pay for more expensive flights to get home after an airline goes bust

What isn’t covered?

Section 75 won’t cover you in the following circumstances:

• You decide not to take your holiday
• You withdrew cash on your credit card to pay for the holiday
• An additional cardholder paid for a holiday that the primary cardholder won’t be going on
• You bought your holiday through intermediaries such as PayPal – although this will depend on the seller. Note that if you bought your holiday through a travel agent, your ability to claim on Section 75 will depend on who took your payment and what it was for. If the travel agent sold you a package holiday that they put together, you will usually be covered as the travel agent is a party to the contract.

How to file a claim with a credit card issuer

Section 75 means that your credit card company is jointly liable with the holiday firm if something goes wrong. If you need to make a claim, it’s generally best to approach the holiday company first to see if they can help. But if they don’t reply, or if you are able to contact them because they have gone into administration, for example, you can go straight to your credit card company.

The process of making a Section 75 claim can vary depending on the provider. In some cases, you can do this through your mobile banking app or by speaking to someone via an online chat service. In other cases, you will need to contact your card provider by phone or by filling in an online form.

When you make your claim, it’s important to include as much detail as possible as well as any receipts of your purchase. If you’ve already approached the holiday firm, include any evidence of this if you can. Explain what you would like your credit card provider to do, which will usually be to issue you with a full refund, and keep a record of all communication.

If you cannot resolve the issue with either the holiday or card company, you can contact the Financial Ombudsman Service, which can independently assess the case. You must do this within 6 months of your claim being rejected.

Frequently asked questions

• Is a credit card with travel insurance all you need?

  This will depend on the credit card and your requirements, but it’s unlikely. Most credit cards only provide cover for accidental death or accidents resulting in a permanent injury, and generally only those that charge an annual fee will offer any baggage cover. Separate travel insurance will offer much broader protection, including any medical issues you suffer from while you’re away as well as holiday cancellation, so it’s wise to take out additional cover.

• What's covered under trip cancellation insurance?

  Trip cancellation insurance will cover the cost of some or all of your holiday if you had to cancel due to reasons such as redundancy, bereavement, accident, illness or jury service. The cost of your holiday can include pre-booked flights and transfers, accommodation, activities and excursions that you’ve already paid for.