6 Best Credit Cards for Travel Insurance of January 2022

6 Best Credit Cards for Travel Insurance of January 2022

The Chase Sapphire Reserve® offers the best travel insurance benefits of all credit cards on the market today.

On Chase's Secure Website

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Best credit cards for travel insurance 2022

Best overall

Chase Sapphire Reserve®

On Chase's Secure Website

Low annual fee

Chase Sapphire Preferred® Card

On Chase's Secure Website

No annual fee

Chase Freedom Unlimited®

On Chase's Secure Website

Pick a card category:

There are myriad reasons to pick up a travel credit card, and the fact you can earn points or miles on all your purchases is only one of them. Many of the top travel card offerings also offer bonus perks like airport lounge access and annual travel credits, and some up the ante with complimentary travel insurance benefits to boot.

If you're in the market for a credit card with travel insurance, you'll want to know which coverage options you'll be eligible for as well as applicable limits. This guide explains what you should look for in credit card insurance for travel, as well as which cards offer the most robust coverage.

Best credit card for travel insurance overall

Chase Sapphire Reserve®

On Chase's Secure Website

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

$550

16.99%-23.99% Variable

720 - 850

  • Earn 50,000 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Verdict

The Chase Sapphire Reserve® is easily one of the best travel credit cards on the market today due to its lucrative earning categories and the fact you get to rack up Chase Ultimate Rewards® points. However, this card also stands out in terms of its travel insurance offerings, due to both the breadth of the coverage offered and the high available limits. This card offers a range of travel insurance perks including primary rental car coverage, baggage insurance, and emergency evacuation and transportation coverage to name a few.

Despite the Chase Sapphire Reserve®'s $550 annual fee, cardholders can get a ton of value in return. Not only does this card come with a $300 annual travel credit, but cardholders also get Priority Pass™ Select airport lounge membership, a fee credit for Global Entry or TSA Precheck membership and more.

Drawbacks?: The high annual fee

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  • Trip cancellation/interruption insurance: Up to $10,000 per person and $20,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason
  • Primary auto rental coverage: Up to $75,000 for theft or collision damage on rental periods of up to 31 days
  • Baggage delay insurance: Up to $100 per day for five days when your baggage is delayed by more than six hours
  • Trip delay reimbursement: Up to $500 per ticket when your trip is delayed by a covered hazard for at least six hours or requires an overnight stay
  • Roadside assistance: Up to $50 per incident up to four times per year
  • Lost luggage reimbursement: Up to $3,000 per passenger when luggage is lost by a common carrier
  • Travel and emergency assistance services: Call for emergency assistance, including medical and legal referrals and more, when you're traveling away from home
  • Travel accident insurance: Up to $1 million when you lose your life, your hearing, your sight, or your speech, or you become dismembered during a covered trip
  • Emergency evacuation and transportation coverage: Up to $100,000 per trip when a covered person must be evacuated during a covered trip
  • Emergency medical or dental benefit: Up to $2,500 in emergency medical or dental procedures when you’re at least 100 miles from home


Best credit card for travel insurance and a low annual fee

Chase Sapphire Preferred® Card

On Chase's Secure Website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

$95

15.99% - 22.99% Variable

720 - 850

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • 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.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 03/31/22.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Verdict

Despite the fact the Chase Sapphire Preferred® Card only costs $95 per year, this card is fully stocked with travel insurance benefits. In fact, cardholders get primary auto rental coverage, baggage delay insurance, trip cancellation and interruption coverage, trip delay reimbursement and more.

The Chase Sapphire Preferred® Card also offers a generous sign-up bonus as well as lucrative rewards on each dollar you spend. Cardholders even get a 10% anniversary points boost and an annual Chase Ultimate Rewards® hotel credit worth up to $50 per year. Points earned belong in the Chase Ultimate Rewards® program as well, which is known for its flexibility.

Drawbacks?: The card's travel protections are fantastic for the annual fee, but it is missing some protections, such as emergency evacuation and emergency medical and dental.

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  • Trip cancellation and interruption insurance: Up to $10,000 per person and $20,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason
  • Primary auto rental coverage for damage or collision: Up to the cash value of the vehicle on rental periods of 31 consecutive days or less
  • Baggage delay insurance: Up to $100 per day for up to five days when your baggage is delayed for at least six hours
  • Trip delay reimbursement: Up to $500 per ticket when your trip is delayed more than 12 hours or requires an overnight stay
  • Roadside dispatch: Access a roadside dispatch hotline 24 hours a day, seven days per week.
  • Lost luggage reimbursement: Up to $3,000 per passenger when luggage is lost by a common carrier
  • Travel and emergency assistance: Call for emergency assistance, including medical and legal referrals and more, when you're traveling away from home.
  • Travel accident insurance: Up to $500,000 when you lose your life, your hearing, your sight, or your speech or you're dismembered during a covered trip


Best credit card for travel insurance and airline miles

United Club℠ Infinite Card

On Chase's Secure Website

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

$525

16.49% - 23.49% Variable

720 - 850

  • Earn 100,000 Bonus Miles
  • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining including eligible delivery services
  • Earn 1 mile per $1 spent on all other purchases
  • Up to $100 Global Entry or TSA PreCheck® fee credit
  • Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Infinite Card.

Verdict

The United Club℠ Infinite Card comes with more than its share of travel insurance benefits, which include baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance and more. This credit card even offers primary auto rental coverage, which is a unique benefit among airline credit cards.

This premium airline card also comes with United Club membership, which is worth up to $650 per year. Other benefits include a free first and second checked bag on United flights, premier access travel services, up to $100 in credit for Global Entry or TSA Precheck membership and more.

Drawbacks?: Travelers who fly many different airlines may not get enough value out of the airline perks.

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  • Trip cancellation/interruption: Up to $10,000 per person and $20,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason
  • Primary auto rental coverage: Up to the actual cash value of the car for theft or collision damage on most rentals in the U.S. and abroad
  • Baggage delay reimbursement: Up to $100 per day for up to three days when your baggage is delayed by more than six hours
  • Lost luggage reimbursement: Up to $3,000 per passenger when luggage is lost by a common carrier
  • Trip delay insurance: Up to $500 per ticket when your trip is delayed by a covered hazard for at least 12 hours or requires an overnight stay
  • Travel accident insurance: Accidental death or dismemberment coverage worth up to $500,000
  • Emergency evacuation and transportation coverage: Provides coverage when you become sick or injured on a trip, resulting in emergency evacuation
  • Travel and emergency assistance services: Call for emergency assistance, including medical and legal referrals and more, when you're traveling away from home


Best credit card for travel insurance and hotels

World of Hyatt Credit Card

On Chase's Secure Website

Earn up to 60,000 Bonus Points - Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

$95

15.99% - 22.99% Variable

660 - 850

  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Verdict

The World of Hyatt Credit Card offers three types of travel insurance coverage you can benefit from — baggage delay insurance, lost luggage reimbursement, and trip cancellation and interruption insurance. Meanwhile, this card lets you Earn up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member.

Other benefits include automatic World of Hyatt Discoverist status and a free Category 1-4 award night each year on your cardmember anniversary.

Drawbacks?: Those who aren't dedicated to Hyatt's more limited footprint of hotels may not see the value in the card.

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  • Trip cancellation/interruption: Up to $5,000 per person and $10,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason
  • Auto rental coverage: Secondary coverage for most cars in the U.S. and abroad
  • Baggage delay insurance: Up to $100 per day for five days when your baggage is delayed by more than six hours
  • Lost luggage reimbursement: Up to $3,000 per passenger when luggage is lost by a common carrier
  • Trip delay insurance: Up to $500 per ticket if travel is delayed by more than 12 hours or requires an overnight stay
  • Travel accident insurance: Up to $500,000 in coverage for accidental death or dismemberment


Best credit card for travel insurance and business

Chase Ink Business Preferred℠ Credit Card

On Chase's Secure Website

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

$95

15.99%-20.99% Variable

720 - 850

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

Verdict

The Chase Ink Business Preferred℠ Credit Card is commonly listed as the top business credit card for travel, and it's easy to see why. In addition to the generous rewards you earn, including one of the best sign-up bonuses among all business credit cards, this card comes with primary auto rental coverage when you rent a car for business purposes, travel and emergency assistance services, trip cancellation and interruption insurance, roadside dispatch and more.

Cardholders also get cell phone protection and free employee cards. The Chase Ink Business Preferred℠ Credit Card's $95 annual fee also makes it an excellent value.

Drawbacks?: Like the Chase Sapphire Preferred® Card, this card's travel insurance is top-notch for the annual fee, but it is lacking protections like emergency evacuation and emergency medical/dental.

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  • Trip cancellation/interruption: worth up to $5,000 per person and $10,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason
  • Primary auto rental coverage: worth up to the actual cash value of the vehicle when renting a car for business purposes
  • Trip delay reimbursement: worth up to $500 when travel is delayed by more than 12 hours or requires an overnight stay
  • Travel and emergency assistance services: call this travel hotline for help, including medical and legal referrals, when you're traveling away from home
  • Roadside dispatch: call this hotline 24 hours a day, seven days a week when you need help with towing, a tire change and more
  • Lost luggage reimbursement: worth up to $3,000 per passenger when luggage is lost by a common carrier
  • Travel and emergency assistance: Call a hotline for medical referrals, legal referrals, and more when traveling far from home
  • Travel accident insurance: worth up to $500,000 for accidental death, dismemberment, and other covered losses during a covered trip


Best credit card for travel insurance and no annual fee

Chase Freedom Unlimited®

On Chase's Secure Website

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

$0

14.99% - 23.74% Variable

660 - 850

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Verdict

The Chase Freedom Unlimited® offers a nice selection of travel insurance benefits without charging an annual fee. These perks include trip cancellation and interruption insurance, secondary auto rental coverage and travel and emergency assistance services.

This card also offers generous rewards in an array of everyday spending categories, and you can redeem your cash back for statement credits, gift cards, merchandise, travel through Chase, and more.

Drawbacks?: It charges foreign transaction fees, so won't be the best choice for traveling internationally.

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  • Trip cancellation/interruption: Up to $1,500 per person and $6,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason
  • Car rental insurance: Coverage is secondary and applicable to most rentals in the U.S. and abroad
  • Roadside dispatch: Call this hotline for help if you have a flat tire, you run out of gas, or you encounter other roadside problems
  • Travel and emergency assistance services: Call into this hotline for emergency assistance, including medical and legal referrals, when you're traveling away from home

Compare credit cards for travel insurance 2022

Rental car insurance
Luggage protection
Trip interruption insurance
Annual fee
Best overall

Chase Sapphire Reserve®

Chase Sapphire Reserve®
Primary auto rental coverage worth up to $75,000 for theft or collision damage on rental periods of up to 31 daysLost luggage reimbursement worth up to $3,000 per passenger when luggage is lost by a common carrierCoverage is worth up to $10,000 per person and $20,000 per trip for prepaid travel expenses when a trip is canceled or interrupted and it results in financial losses$550
Apply Now
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gPTwhA\"\u003E\u003Cspan\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"16.66%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E\u003Cstrong\u003EBest overall\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Reserve\u00ae\" href=\"#Chase\"\u003EChase Sapphire Reserve\u00ae\u003C\/a\u003E\u003C\/span\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\" style=\"width:120px\"\u003E\u003Cimg alt=\"Chase Sapphire Reserve\u00ae\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4335.jpg\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4335.jpg\",\"name\":\"Chase Sapphire Reserve\\u00ae\",\"width\":\"120\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"18.33%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003EPrimary auto rental coverage worth up to $75,000 for theft or collision damage on rental periods of up to 31 days\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"18.33%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003ELost luggage reimbursement worth up to $3,000 per passenger when luggage is lost by a common carrier\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"18.33%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003ECoverage is worth up to $10,000 per person and $20,000 per trip for prepaid travel expenses when a trip is canceled or interrupted and it results in financial losses\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"10%\" class=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E$550\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"15%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1129?url=_travel_best-credit-cards-travel-insurance\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD 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Rows\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"left\",\"left\",\"right\",\"left\"],\"alignsVertical\":[\"top\",\"top\",\"top\",\"top\",\"top\",\"top\"],\"columnWidths\":[\"16.66%\",\"18.33%\",\"18.33%\",\"18.33%\",\"10%\",\"15%\"],\"data\":[[\"\",\"Rental car insurance\",\"Luggage protection\",\"Trip interruption insurance\",\"Annual fee\",\"\"],[\"\\u003Cstrong\\u003EBest overall\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Chase Sapphire Reserve\\u00ae\\\" href=\\\"#Chase\\\"\\u003EChase Sapphire Reserve\\u00ae\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateImage\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateImage--root AffiliateImage--align-left \\\"\\u003E\\u003Cdiv class=\\\"AffiliateImage--wrapper\\\" style=\\\"width:120px\\\"\\u003E\\u003Cimg alt=\\\"Chase Sapphire Reserve\\u00ae\\\" class=\\\"Image--root lazyload\\\" data-src=\\\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4335.jpg\\\"\\\/\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E{\\\"align\\\":\\\"\\\",\\\"className\\\":\\\"\\\",\\\"imageURL\\\":\\\"https:\\\\\\\/\\\\\\\/cdn.comparecards.com\\\\\\\/uploads\\\\\\\/images\\\\\\\/items\\\\\\\/4335.jpg\\\",\\\"name\\\":\\\"Chase Sapphire Reserve\\\\u00ae\\\",\\\"width\\\":\\\"120\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"Primary auto rental coverage worth up to $75,000 for theft or collision damage on rental periods of up to 31 days\",\"Lost luggage reimbursement worth up to $3,000 per passenger when luggage is lost by a common carrier\",\"Coverage is worth up to $10,000 per person and $20,000 per trip for prepaid travel expenses when a trip is canceled or interrupted and it results in financial losses\",\"$550\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateButton\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateButtonV2--root \\\"\\u003E\\u003Ca class=\\\"Link--root Button--root Button--primary Button--fluid \\\" href=\\\"\\\/credit-cards\\\/redirect\\\/1129?url=_travel_best-credit-cards-travel-insurance\\\" rel=\\\"nofollow\\\" target=\\\"_blank\\\" title=\\\"Apply Now\\\"\\u003EApply Now\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\\\" color=\\\"inherit\\\" name=\\\"lock\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/a\\u003E\\u003Cdiv class=\\\"AffiliateDisclaimer--root\\\"\\u003E\\u003Cspan class=\\\"AffiliateDisclaimer--item\\\"\\u003EOn Chase's Secure Website \\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E{\\\"category\\\":\\\"creditcards\\\",\\\"color\\\":\\\"primary\\\",\\\"context\\\":\\\" in context: Banner\\\",\\\"disclaimers\\\":[\\\"On Chase's Secure Website\\\"],\\\"icon\\\":\\\"lock\\\",\\\"label\\\":\\\"Apply Now\\\",\\\"link\\\":\\\"\\\\\\\/credit-cards\\\\\\\/redirect\\\\\\\/1129?url=_travel_best-credit-cards-travel-insurance\\\",\\\"name\\\":\\\"Chase Sapphire Reserve\\\\u00ae\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\"],[\"\\u003Cstrong\\u003ELow annual fee\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Chase Sapphire Preferred\\u00ae Card\\\" href=\\\"#Sapphire\\\"\\u003EChase Sapphire Preferred\\u00ae Card\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateImage\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateImage--root AffiliateImage--align-left \\\"\\u003E\\u003Cdiv class=\\\"AffiliateImage--wrapper\\\" style=\\\"width:120px\\\"\\u003E\\u003Cimg alt=\\\"Chase Sapphire Preferred\\u00ae Card\\\" class=\\\"Image--root lazyload\\\" data-src=\\\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4709.png\\\"\\\/\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E{\\\"align\\\":\\\"\\\",\\\"className\\\":\\\"\\\",\\\"imageURL\\\":\\\"https:\\\\\\\/\\\\\\\/cdn.comparecards.com\\\\\\\/uploads\\\\\\\/images\\\\\\\/items\\\\\\\/4709.png\\\",\\\"name\\\":\\\"Chase Sapphire Preferred\\\\u00ae Card\\\",\\\"width\\\":\\\"120\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"Primary auto rental coverage worth up to the cash value of the vehicle on rental periods of 31 consecutive days or less\",\"Lost luggage reimbursement worth up to $3,000 per passenger when luggage is lost by a common carrier\",\"Coverage is worth up to $10,000 per person and $20,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason\",\"$95\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateButton\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateButtonV2--root \\\"\\u003E\\u003Ca class=\\\"Link--root Button--root Button--primary Button--fluid \\\" href=\\\"\\\/credit-cards\\\/redirect\\\/92?url=_travel_best-credit-cards-travel-insurance\\\" rel=\\\"nofollow\\\" target=\\\"_blank\\\" title=\\\"Apply Now\\\"\\u003EApply Now\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\\\" color=\\\"inherit\\\" name=\\\"lock\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/a\\u003E\\u003Cdiv class=\\\"AffiliateDisclaimer--root\\\"\\u003E\\u003Cspan class=\\\"AffiliateDisclaimer--item\\\"\\u003EOn Chase's Secure Website \\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E{\\\"category\\\":\\\"creditcards\\\",\\\"color\\\":\\\"primary\\\",\\\"context\\\":\\\" in context: Banner\\\",\\\"disclaimers\\\":[\\\"On Chase's Secure Website\\\"],\\\"icon\\\":\\\"lock\\\",\\\"label\\\":\\\"Apply Now\\\",\\\"link\\\":\\\"\\\\\\\/credit-cards\\\\\\\/redirect\\\\\\\/92?url=_travel_best-credit-cards-travel-insurance\\\",\\\"name\\\":\\\"Chase Sapphire Preferred\\\\u00ae Card\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\"],[\"\\u003Cstrong\\u003EAirline miles\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"United Club℠ Infinite Card\\\" href=\\\"#United\\\"\\u003EUnited Club℠ Infinite Card\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateImage\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateImage--root AffiliateImage--align-left \\\"\\u003E\\u003Cdiv class=\\\"AffiliateImage--wrapper\\\" style=\\\"width:120px\\\"\\u003E\\u003Cimg alt=\\\"United Club\\u2120 Infinite Card\\\" class=\\\"Image--root lazyload\\\" data-src=\\\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4348.jpg\\\"\\\/\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E{\\\"align\\\":\\\"\\\",\\\"className\\\":\\\"\\\",\\\"imageURL\\\":\\\"https:\\\\\\\/\\\\\\\/cdn.comparecards.com\\\\\\\/uploads\\\\\\\/images\\\\\\\/items\\\\\\\/4348.jpg\\\",\\\"name\\\":\\\"United Club\\\\u2120 Infinite Card\\\",\\\"width\\\":\\\"120\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"Primary auto rental coverage worth up to the actual cash value of the car for theft or collision damage on most rentals in the U.S. and abroad\",\"Lost luggage reimbursement worth up to $3,000 per passenger when luggage is lost by a common carrier\",\"Coverage is worth up to $10,000 per person and $20,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason\",\"$525\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateButton\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateButtonV2--root \\\"\\u003E\\u003Ca class=\\\"Link--root Button--root Button--primary Button--fluid \\\" href=\\\"\\\/credit-cards\\\/redirect\\\/1229?url=_travel_best-credit-cards-travel-insurance\\\" rel=\\\"nofollow\\\" target=\\\"_blank\\\" title=\\\"Apply Now\\\"\\u003EApply Now\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\\\" color=\\\"inherit\\\" name=\\\"lock\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/a\\u003E\\u003Cdiv class=\\\"AffiliateDisclaimer--root\\\"\\u003E\\u003Cspan class=\\\"AffiliateDisclaimer--item\\\"\\u003EOn Chase's Secure Website \\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E{\\\"category\\\":\\\"creditcards\\\",\\\"color\\\":\\\"primary\\\",\\\"context\\\":\\\" in context: Banner\\\",\\\"disclaimers\\\":[\\\"On Chase's Secure Website\\\"],\\\"icon\\\":\\\"lock\\\",\\\"label\\\":\\\"Apply Now\\\",\\\"link\\\":\\\"\\\\\\\/credit-cards\\\\\\\/redirect\\\\\\\/1229?url=_travel_best-credit-cards-travel-insurance\\\",\\\"name\\\":\\\"United Club\\\\u2120 Infinite Card\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\"],[\"\\u003Cstrong\\u003EHotel\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"World of Hyatt Credit Card\\\" href=\\\"#World\\\"\\u003EWorld of Hyatt Credit Card\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateImage\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateImage--root AffiliateImage--align-left \\\"\\u003E\\u003Cdiv class=\\\"AffiliateImage--wrapper\\\" style=\\\"width:120px\\\"\\u003E\\u003Cimg alt=\\\"World of Hyatt Credit Card\\\" class=\\\"Image--root lazyload\\\" data-src=\\\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4754.png\\\"\\\/\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E{\\\"align\\\":\\\"\\\",\\\"className\\\":\\\"\\\",\\\"imageURL\\\":\\\"https:\\\\\\\/\\\\\\\/cdn.comparecards.com\\\\\\\/uploads\\\\\\\/images\\\\\\\/items\\\\\\\/4754.png\\\",\\\"name\\\":\\\"World of Hyatt Credit Card\\\",\\\"width\\\":\\\"120\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"N\\\/A\",\"Lost luggage reimbursement worth up to $3,000 per passenger when luggage is lost by a common carrier\",\"Coverage is worth up to $5,000 per person and $10,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason\",\"$95\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateButton\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateButtonV2--root \\\"\\u003E\\u003Ca class=\\\"Link--root Button--root Button--primary Button--fluid \\\" href=\\\"\\\/credit-cards\\\/redirect\\\/440?url=_travel_best-credit-cards-travel-insurance\\\" rel=\\\"nofollow\\\" target=\\\"_blank\\\" title=\\\"Apply Now\\\"\\u003EApply Now\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\\\" color=\\\"inherit\\\" name=\\\"lock\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/a\\u003E\\u003Cdiv class=\\\"AffiliateDisclaimer--root\\\"\\u003E\\u003Cspan class=\\\"AffiliateDisclaimer--item\\\"\\u003EOn Chase's Secure Website \\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E{\\\"category\\\":\\\"creditcards\\\",\\\"color\\\":\\\"primary\\\",\\\"context\\\":\\\" in context: Banner\\\",\\\"disclaimers\\\":[\\\"On Chase's Secure Website\\\"],\\\"icon\\\":\\\"lock\\\",\\\"label\\\":\\\"Apply Now\\\",\\\"link\\\":\\\"\\\\\\\/credit-cards\\\\\\\/redirect\\\\\\\/440?url=_travel_best-credit-cards-travel-insurance\\\",\\\"name\\\":\\\"World of Hyatt Credit Card\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\"],[\"\\u003Cstrong\\u003EBusiness\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Chase Ink Business Preferred℠ Credit Card\\\" href=\\\"#Business\\\"\\u003EChase Ink Business Preferred℠ Credit Card\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateImage\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateImage--root AffiliateImage--align-left \\\"\\u003E\\u003Cdiv class=\\\"AffiliateImage--wrapper\\\" style=\\\"width:120px\\\"\\u003E\\u003Cimg alt=\\\"Ink Business Preferred\\u2120 Credit Card\\\" class=\\\"Image--root lazyload\\\" data-src=\\\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4694.png\\\"\\\/\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E{\\\"align\\\":\\\"\\\",\\\"className\\\":\\\"\\\",\\\"imageURL\\\":\\\"https:\\\\\\\/\\\\\\\/cdn.comparecards.com\\\\\\\/uploads\\\\\\\/images\\\\\\\/items\\\\\\\/4694.png\\\",\\\"name\\\":\\\"Ink Business Preferred\\\\u2120 Credit Card\\\",\\\"width\\\":\\\"120\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"Primary auto rental coverage worth up to the actual cash value of the vehicle when renting a car for business purposes\",\"N\\\/A\",\"Coverage is worth up to $5,000 per person and $10,000 per trip for prepaid travel expenses when a trip is canceled or interrupted for a covered reason\",\"$95\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateButton\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateButtonV2--root \\\"\\u003E\\u003Ca class=\\\"Link--root Button--root Button--primary Button--fluid \\\" href=\\\"\\\/credit-cards\\\/redirect\\\/1112?url=_travel_best-credit-cards-travel-insurance\\\" rel=\\\"nofollow\\\" target=\\\"_blank\\\" title=\\\"Apply Now\\\"\\u003EApply Now\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\\\" color=\\\"inherit\\\" name=\\\"lock\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/a\\u003E\\u003Cdiv class=\\\"AffiliateDisclaimer--root\\\"\\u003E\\u003Cspan class=\\\"AffiliateDisclaimer--item\\\"\\u003EOn Chase's Secure Website \\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E{\\\"category\\\":\\\"creditcards\\\",\\\"color\\\":\\\"primary\\\",\\\"context\\\":\\\" in context: Banner\\\",\\\"disclaimers\\\":[\\\"On Chase's Secure Website\\\"],\\\"icon\\\":\\\"lock\\\",\\\"label\\\":\\\"Apply Now\\\",\\\"link\\\":\\\"\\\\\\\/credit-cards\\\\\\\/redirect\\\\\\\/1112?url=_travel_best-credit-cards-travel-insurance\\\",\\\"name\\\":\\\"Ink Business Preferred\\\\u2120 Credit Card\\\"}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\"],[\"\\u003Cstrong\\u003ENo annual fee\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Chase Freedom Unlimited\\u00ae\\\" href=\\\"#Freedom\\\"\\u003EChase Freedom Unlimited\\u00ae\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-AffiliateImage\\\" data-component-name=\\\"AffiliateImage\\\"\\u003E\\n \\u003Cdiv class=\\\"AffiliateImage--root AffiliateImage--align-left \\\"\\u003E\\u003Cdiv class=\\\"AffiliateImage--wrapper\\\" style=\\\"width:120px\\\"\\u003E\\u003Cimg alt=\\\"Chase Freedom Unlimited\\u00ae\\\" class=\\\"Image--root lazyload\\\" data-src=\\\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4282.png\\\"\\\/\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript 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href=\\\"\\\/credit-cards\\\/redirect\\\/990?url=_travel_best-credit-cards-travel-insurance\\\" rel=\\\"nofollow\\\" target=\\\"_blank\\\" title=\\\"Apply Now\\\"\\u003EApply Now\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\\\" color=\\\"inherit\\\" name=\\\"lock\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/a\\u003E\\u003Cdiv class=\\\"AffiliateDisclaimer--root\\\"\\u003E\\u003Cspan class=\\\"AffiliateDisclaimer--item\\\"\\u003EOn Chase's Secure Website \\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"AffiliateButton\\\"\\u003E{\\\"category\\\":\\\"creditcards\\\",\\\"color\\\":\\\"primary\\\",\\\"context\\\":\\\" in context: Banner\\\",\\\"disclaimers\\\":[\\\"On Chase's Secure Website\\\"],\\\"icon\\\":\\\"lock\\\",\\\"label\\\":\\\"Apply 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How to choose a credit card for travel insurance

If you're looking for the best credit card for travel insurance benefits, you have plenty to figure out ahead of time. For example, you'll want to decide on the type of rewards you want to earn with your card, whether that includes flexible travel rewards, airline miles, hotel loyalty points or cash back. You'll also need to pore over the details of each offer in order to answer the following questions.

What insurance benefits does it offer?

First, you'll want to know which travel insurance benefits each card you're considering offers. Fortunately, this information is fairly easy to find when you search for a travel credit card online and find each one's main offer page. If you don't see the travel insurance perks displayed prominently, you can typically find them listed clearly within your card's Guide to Benefits or cardholder agreement.

What are the limitations on those benefits?

In addition to knowing about the types of travel insurance benefits each card you're considering offers, you'll also want to know about the limitations on those benefits. For example, you'll want to know and understand the monetary limits per person and per trip for trip cancellation and interruption insurance, baggage insurance and other included benefits.

In some cases, credit card insurance for travel may be more than sufficient for your needs. However, expensive trips or trips for large groups may require additional travel insurance protection.

Does it offer primary car rental insurance?

If you are looking for the best credit card for travel insurance coverage because you want rental car coverage, you'll need to know if the card you're offering comes with primary or secondary insurance. This is crucial since primary rental car coverage can be used in place of your own insurance, whereas secondary auto rental coverage only kicks in after you have exhausted other coverage you have, including your own insurance.

Do the rewards match your spending?

Also look at the rewards each card you're considering offers, and decide whether the points you can earn are ones you want to spend. In addition to knowing the type of rewards you want to earn, you'll want to make sure you pick a card that offers a generous flat rate of rewards or bonus points in categories you spend the most in.

Is a high annual fee worth it?

The best credit card for travel insurance comes with a $550 annual fee, and many of the others that made our ranking have fees in that range. Keep in mind, however, that some credit cards for travel insurance won't charge fees in the hundreds of dollars. As we mentioned already, the Chase Sapphire Preferred® Card offers a robust selection of travel insurance benefits with a $95 annual fee each year.

What other travel benefits does it offer?

Also look at travel credit cards to see which other perks they offer, which can include airport lounge access, annual travel credits, fee credits for Global Entry or TSA Precheck, automatic elite status and more.

Is credit card travel insurance enough?

In some cases, travel insurance is not sufficient to protect you when you need it most. This is especially true when it comes to potential medical and dental services you might need during a trip.

We already shared how the best credit card for travel insurance — the Chase Sapphire Reserve® — only comes with up to $2,500 in emergency medical or dental coverage when you’re at least 100 miles from home. When you consider the fact that a serious injury or illness that requires hospitalization can cost tens of thousands of dollars or more, it's easy to see why you would want more coverage when you're traveling somewhere your own health insurance doesn't work.

Fortunately, the best travel insurance companies let you purchase additional travel insurance coverage that can provide a greater level of peace of mind. You can even buy policies that are uniquely tailored to each trip you take with sufficient coverage for medical procedures, emergency evacuation, COVID-19 and more.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EIs credit card travel insurance enough?\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n In some cases, travel insurance is not sufficient to protect you when you need it most. This is especially true when it comes to potential medical and dental services you might need during a trip.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWe already shared how the best credit card for travel insurance \u2014 the Chase Sapphire Reserve\u00ae \u2014 only comes with up to $2,500 in emergency medical or dental coverage when you\u2019re at least 100 miles from home. When you consider the fact that a serious injury or illness that requires hospitalization can cost tens of thousands of dollars or more, it's easy to see why you would want more coverage when you're traveling somewhere your own health insurance doesn't work.\u003C\/p\u003E\n\n\u003Cp\u003EFortunately, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Travel Insurance Companies 2022\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-travel-insurance-companies\"\u003Ebest travel insurance companies\u003C\/a\u003E\u003C\/span\u003E let you purchase additional travel insurance coverage that can provide a greater level of peace of mind. You can even buy policies that are uniquely tailored to each trip you take with sufficient coverage for medical procedures, emergency evacuation, COVID-19 and more.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Credit card travel insurance benefits

As you compare the best credit cards for travel insurance coverage, keep the following types of protection in mind:

Trip cancellation/interruption insurance

This type of credit card insurance for travel aims to cover financial losses if your trip is canceled or interrupted for a covered reason, such as severe weather. Trip cancellation and interruption insurance is good for prepaid travel expenses that cannot be refunded.

Baggage delay reimbursement

This type of insurance provides reimbursement for incidental expenses (up to limits) when your baggage is delayed by a common carrier, usually by six hours or more. You can use this coverage to pay for toiletries, clothing and other essential purchases while you wait for your bags to arrive.

Lost luggage reimbursement

This type of protection can provide you with cash reimbursement when your luggage is lost by a common carrier or stolen while in their care. Like other types of credit card insurance for travel, limits apply.

Trip delay insurance

This type of insurance provides reimbursement when a covered trip is delayed and you are forced to pay for incidental expenses like meals or an overnight hotel stay.

Car rental insurance

Credit card car rental insurance can provide you with protection for collision or theft when you rent a car and pay with your credit card. This coverage can be primary or secondary to other insurance you have.

Travel accident insurance

Travel accident insurance provides a cash payment if you are accidentally killed or dismembered during a covered trip. Other losses including the loss of hearing or sight can also be covered.

Emergency evacuation and transportation coverage

This important insurance protection covers the cost of emergency transportation and evacuation if you become injured or sick during a covered trip and you cannot travel on your own to get help.

Emergency medical and dental insurance

Emergency medical and dental insurance provides coverage for some emergency medical and dental procedures if you require it during a covered trip. In most cases, you'll want to buy a separate travel health insurance plan if you're traveling outside the coverage area of your own health insurance.

Roadside assistance

Roadside assistance typically includes access to a hotline you can call when you have a flat tire or you run out of gas. The benefit is access to the hotline, and you'll typically need to pay for any assistance you receive out-of-pocket.

How to submit a travel insurance claim through your credit card

Submitting a travel insurance claim for credit card coverage looks differently depending on which credit card you have. However, almost all card issuers offer an online process for submitting claims, which you can get started from the comfort of your home. You may also be able to file a claim over the phone or through the regular mail.

As an example, Chase credit cards let you file travel insurance claims over the phone or through eclaimsline.com. To file a claim, you'll need to gather all documentation you need to file, including proof of the circumstances of your claim. You'll also need to enter all required information about your claim, including the date of the loss, the amount of the loss, and other pertinent information they ask for that depends on the type of claim you're filing.

As your claim progresses, you may be asked to supply additional information or proof of your claim. Some online claims websites, including eclaimsonline.com, also let you monitor your claim status through an online portal.

Frequently Asked Questions about credit card travel insurance

Is credit card insurance enough for travel?

Credit card insurance for travel may be sufficient for your needs, but it really depends on the type of trip you're taking, the cost of your trip, and potential hazards you may be exposed to. If you are worried credit card travel insurance is insufficient for your upcoming vacation, you should probably purchase a separate travel insurance plan.

What is the best credit card for travel insurance?

The best credit card for travel insurance is the Chase Sapphire Reserve®. This is based on the broad selection of the travel insurance benefits offered by this card as well as the relatively high coverage limits.

Which credit card offers travel insurance for free?

All the credit cards on our list offer travel insurance as a complimentary benefit. For your trip to be eligible, you have to pay for your trip with your eligible credit card.

Does Costco Citi credit card have car insurance for travel?

The Costco Anywhere Visa® Card by Citi does offer auto rental coverage (one of the few Citi cards that do).

Does Gap Credit Card have travel insurance for flights?

The Gap Credit Card doesn't offer any travel insurance benefits to cardholders.

Is credit card travel insurance enough for medical?

Even the best credit card for travel medical insurance provides insufficient coverage. If you're planning a trip to a destination where your own health insurance coverage won't work (including international travel), you should purchase a separate travel insurance plan with medical coverage included.

Which credit cards have medical insurance for traveling abroad?

The Chase Sapphire Reserve® comes with up to $2,500 in emergency medical or dental coverage when you’re at least 100 miles from home.

Recap of the best credit cards with travel insurance for January 2022

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin, as well as cards on major issuer sites, to compile a list of the best credit cards for travel insurance. Our recommendations are based on the breadth and the value of the card's travel insurance coverage, looking at standard protections, including trip interruption and cancellation insurance and car rental insurance. We also consider the additional value you can earn with these cards. We primarily considered rewards value, the cost of ownership and the value of benefits like travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).