Credit Card Travel Insurance for Chase, Amex and Capital One

Credit Card Travel Insurance for Chase, Amex and Capital One

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms and Restrictions Apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Life happens, and it can happen at the most inconvenient times — like when you have travel plans. That's when credit card travel insurance can help you save thousands of dollars and give you peace of mind before, during or even after your trip.

In this guide, we featured cards from Chase, American Express and Capital One — three issuers that offer excellent complimentary travel protections.

traveler calling credit card company

Here is an overview of what is provided by different card issuers and the different types of coverages. We picked a variety of cards that cater to all different consumer spending profiles, whether you're a frequent traveler or just take a vacation once per year. Not only did we handpick some of the best travel rewards cards, but we selected a ton of everyday cards with no annual fee that come with travel insurance benefits.

Before you finalize your bookings, be sure to familiarize yourself with the exact terms of these benefits, which we've linked to each card.

Credit card travel insurance and the coronavirus

In late 2019, the novel coronavirus began making news as a global outbreak began to spread. Originating in China, the virus has sickened and killed hundreds of thousands, and also left travelers scrambling for options as airlines began canceling flights in January 2020. Although vaccinations are slowly becoming more widespread, airlines still face difficulty amid canceled flights and testing requirements.

In fact, many domestic carriers have permanently eliminated change or cancellation fees. While there are some exclusions — such as basic economy tickets — you'll want to check with your airline first to see if you can get your money back for your airfare.

Will credit card travel insurance cover the coronavirus?

With any travel hiccup, it is important to understand the terms of credit card coverages. In the case of the coronavirus, each policy will have unique language regarding outbreaks and illnesses.

For example, The Platinum Card® from American Express mentions the following covered losses in its terms and conditions:

  • Reimbursement of a nonrefundable amount paid to a travel supplier in case of "accidental bodily injury or loss of life or sickness" of the cardholder or any eligible traveling companions.
  • Quarantine imposed by a physician for health reasons.

In other words, if you or your qualifying travel companions become sick or quarantined because of the coronavirus, any additional expenses incurred may be covered under the card's policy. On the other hand, the terms don't explicitly mention anything regarding epidemics or pandemics, so you may be out of luck if you want to cancel your travels simply because you want to avoid the coronavirus. If you continue to travel during 2020 and your trips are interrupted or canceled, The Platinum Card® from American Express may reimburse you for nonrefundable prepaid land, air and sea transportation arrangements.

Coverage for emergency medical and evacuation coverage may also be useful in case you become sick while traveling. If you are traveling during the pandemic, it may be a good precautionary step to apply and use a credit card for your reservations that offers these policies, such as the Chase Sapphire Reserve® or The Platinum Card® from American Express. If you are unsure about the terms of your credit card travel insurance policy, it is best to call your credit card company to clarify.

What kind of credit card travel insurance do issuers offer?

Consumers can expect the terms of their credit card travel insurance to vary from issuer to issuer, as well from card to card. In our table summaries, we highlight credit cards that provide outstanding travel insurance benefits. If you don't see your card listed anywhere under its respective issuer, the card may have limited or no travel insurance coverage.


Chase travel insurance

There are several Chase credit cards that offer travel insurance protections. While most plans we've seen limit benefits and payouts to just your spouse and children, Chase has some of the most inclusive definitions of "immediate family member." This group includes:

  • Spouses and domestic partners
  • Children, including adopted children or stepchildren
  • Siblings and siblings-in-law
  • Parents and parents-in-law
  • Grandparents and grandchildren
  • Aunts and uncles
  • Nieces and nephews
  • Legal guardians or wards
Details
Annual Fee$0
Rental car insuranceSecondary
Luggage protectionN/A
Trip interruption insuranceUp to $1,500 per person and $6,000 per trip
Read review
Details
Annual Fee$95
Rental car insurancePrimary
Luggage protection$100 a day for 5 days for baggage delay
Trip interruption insuranceUp to $10,000 per person and $20,000 per trip
Read review
Details
Annual Fee$550
Rental car insurancePrimary
Luggage protectionUp to $3,000 per passenger for lost luggage
Trip interruption insuranceUp to $10,000 per person and $20,000 per trip
Read review
Details
Annual Fee$49
Rental car insuranceNone
Luggage protection$100 a day for 3 days for baggage delay
Trip interruption insuranceN/A
Read review
Details
Annual Fee$99
Rental car insuranceSecondary
Luggage protection$100 a day for 3 days for baggage delay, up to $3,000 per passenger for lost luggage
Trip interruption insuranceN/A
Read review
Details
Annual Fee$525
Rental car insurancePrimary
Luggage protectionUp to $3,000 per passenger for lost luggage
Trip interruption insuranceUp to $10,000 per person and $20,000 per trip
Read review
Details
Annual Fee$0 Intro for the First Year, then $95
Rental car insurancePrimary
Luggage protection$100 a day for 3 days for baggage delay, up to $3,000 per passenger for lost luggage
Trip interruption insuranceUp to $1,500 per person and $6,000 per trip
Read review
Details
Annual Fee$95
Rental car insuranceSecondary
Luggage protection$100 a day for 5 days for baggage delay, up to $3,000 per passenger for lost luggage
Trip interruption insuranceUp to $5,000 per trip
Read review
Card
Rental Car Insurance
Luggage Protection
Trip Interruption Insurance
Annual Fee
Chase Freedom Flex℠SecondaryN/aUp to $1,500 per person and $6,000 per trip$0
Chase Sapphire Preferred® CardPrimary$100 a day for 5 days for baggage delayUp to $10,000 per person and $20,000 per trip$95
Chase Sapphire Reserve®PrimaryUp to $3,000 per passenger for lost luggageUp to $10,000 per person and $20,000 per trip$550
Disney Premier Visa® Credit CardNone$100 a day for 3 days for baggage delayN/a$49
Southwest Rapid Rewards® Premier Credit CardSecondary$100 a day for 3 days for baggage delay, up to $3,000 per passenger for lost luggageN/a$99
United Club℠ Infinite CardPrimaryUp to $3,000 per passenger for lost luggageUp to $10,000 per person and $20,000 per trip$525
United℠ Explorer CardPrimary$100 a day for 3 days for baggage delay, up to $3,000 per passenger for lost luggageUp to $1,500 per person and $6,000 per trip$0 Intro for the First Year, then $95
World of Hyatt Credit CardSecondary$100 a day for 5 days for baggage delay, up to $3,000 per passenger for lost luggageUp to $5,000 per trip$95

Best Chase credit card for travel insurance: Chase Sapphire Reserve®

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points 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, 100,000 points are worth $1,250 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 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

The Chase Sapphire Reserve®, one of the best travel credit cards, comes with top-notch credit card travel insurance benefits. It's one of the handful of cards in the industry to cover all three major insurance groups — travel accident, trip interruption and luggage. It also includes emergency medical and dental insurance, along with emergency evacuation and transportation. These benefits can be immensely helpful in the case of an emergency or illness from a mass outbreak like the coronavirus.

Not only does Chase travel insurance provide users with expansive coverage, the maximum payouts in the respective categories are higher than most. For trip cancellation insurance, for example, users are covered up to $10,000 dollars per person and $20,000 per trip. This makes the Chase Sapphire Reserve® one of the best credit cards with trip cancellation insurance.


Amex travel insurance

Recently, American Express has felt the pressure from other issuers to build more trip cancellation protections into its benefits.

As of Jan. 1, 2020, American Express added credit card travel insurance to several of its products, including The Platinum Card® from American Express, Delta SkyMiles® Reserve American Express Card and the Centurion® Card from American Express.

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These cards all have large annual fees, which may discourage some from applying. Still, given that Amex travel insurance could save you thousands of dollars on even one travel mishap, the cards' annual fees could be worth it.

Details
Annual Fee$250 ( )
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insuranceNone
Read review
Details
Annual Fee$150 ( )
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insuranceNone
Read review
Details
Annual Fee$0
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Read review
Details
Annual Fee$95
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insuranceNone
Details
Annual Fee$0 ( )
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Read review
Details
Annual Fee$0
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Read review
Details
Annual Fee$2,500
Rental car insurancePrimary
Luggage protectionUp to $3,000 per covered person
Trip interruption insurance$10,000 per covered trip and up to $20,000 per 12 months
Details
Annual Fee$0 introductory annual fee for the first year, then $99. ( )
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insuranceNone
Read review
Details
Annual Fee$250 ( )
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insuranceNone
Read review
Details
Annual Fee$550 ( )
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insurance$10,000 per covered trip and up to $20,000 per 12 months
Read review
Details
Annual Fee$0 ( )
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insuranceNone
Read review
Details
Annual Fee$95
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insuranceNone
Read review
Details
Annual Fee$695 ( )
Rental car insuranceSecondary
Luggage protectionUp to $1,250 per covered person
Trip interruption insuranceNone
Read review
Card
Rental Car Insurance
Luggage Protection
Trip Interruption Insurance
Annual Fee
American Express® Gold CardSecondaryUp to $1,250 per covered personNone$250 ( )
American Express® Green CardSecondaryUp to $1,250 per covered personNone$150
The Amex EveryDay® Credit Card from American ExpressSecondaryNoneNone$0
The Amex EveryDay® Preferred Credit Card from American ExpressSecondaryUp to $1,250 per covered personNone$95
Blue Cash Everyday® Card from American ExpressSecondaryNoneNone$0 ( )
Blue from American Express®SecondaryNoneNone$0
Centurion® Card from American ExpressPrimaryUp to $3,000 per covered person$10,000 per covered trip and up to $20,000 per 12 months$2,500
Delta SkyMiles® Gold American Express CardSecondaryUp to $1,250 per covered personNone$0 introductory annual fee for the first year, then $99. ( )
Delta SkyMiles® Platinum American Express CardSecondaryUp to $1,250 per covered personNone$250 ( )
Delta SkyMiles® Reserve American Express CardSecondaryUp to $1,250 per covered person$10,000 per covered trip and up to $20,000 per 12 months$550 ( )
Hilton Honors American Express CardSecondaryUp to $1,250 per covered personNone$0 ( )
Hilton Honors American Express Surpass® CardSecondaryUp to $1,250 per covered personNone$95
The Platinum Card® from American ExpressSecondaryUp to $3,000 per covered person$10,000 per covered trip and up to $20,000 per 12 months$695 ( )

Best Amex credit card for travel insurance: The Platinum Card® from American Express

$695

See Pay Over Time APR

Excellent/Good

  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small® in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.

The Platinum Card® from American Express, a strong competitor to the Chase Sapphire Reserve®, provides great travel insurance coverage. It includes luggage protections, trip interruption/cancellation coverage and rental car insurance. The rental car insurance provides secondary insurance, which means that your personal car insurance will provide the upfront coverage, and then American Express will cover any additional costs not covered by your primary insurer.

The card also provides emergency resources during your travels, such as the Global Assist Hotline. If you are more than 100 miles from home, the hotline can provide 24/7 emergency assistance and coordination services, including:

  • Medical, legal, and passport referrals
  • Emergency cash wires
  • Missing luggage assistance
  • Terms apply

Cardholders are responsible for the costs charged by any third-party service provider.

Unlike typical credit cards, the The Platinum Card® from American Express allows you to carry a balance for certain charges, but not all.

For rates and fees of The Platinum Card® from American Express, please click here.

You may notice that some of the top travel cards tend to come with the best travel coverages. In the event of an emergency when traveling internationally, you can ultimately receive thousands of dollars in services. This alone makes a luxury travel card's annual fee worth it, as the issuer will have your back.

— Stella Shon, ValuePenguin's travel expert

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Capital One travel insurance

Capital One provides only basic travel accident insurance on all credit cards they issue. That doesn't offer coverage for trip interruptions, so if your flight is canceled or you have an emergency that causes you to miss a flight, Capital One will not reimburse you for your trouble. Before you pay for your next trip with a Capital One credit card, be sure to consider other travel insurance options.

Details
Annual Fee$0
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Read review
Details
Annual Fee$95
Rental car insuranceSecondary
Luggage protectionUp to $3,000
Trip interruption insuranceNone
Read review
Details
Annual Fee$0
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Read review
Details
Annual Fee$0
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Read review
Details
Annual Fee$0
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Read review
Details
Annual Fee$-00
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Details
Annual Fee$0
Rental car insuranceSecondary
Luggage protectionNone
Trip interruption insuranceNone
Read review
Card
Rental Car Insurance
Luggage Protection
Trip Interruption Insurance
Annual Fee
Capital One Quicksilver Cash Rewards Credit CardSecondaryNoneNone$0
Capital One Venture Rewards Credit CardSecondaryUp to $3,000None$95
Capital One VentureOne Rewards Credit CardSecondaryNoneNone$0
Capital One Platinum Credit CardSecondaryNoneNone$0
Journey Student Rewards from Capital One SecondaryNoneNone$0
PlayStation® Card from Capital One®SecondaryNoneNone$-00
Secured Mastercard® from Capital OneSecondaryNoneNone$0

Best Capital One credit card for travel insurance: Capital One Venture Rewards Credit Card

Capital One's travel insurance benefits pale in comparison to those offered by Chase and American Express. Within the Capital One family of cards, the Capital One Venture Rewards Credit Card carries the best travel benefits.

Cardholders will have up to $250,000 in travel accident insurance coverage, lost luggage reimbursement and secondary rental car insurance.


Citi travel insurance

In September 2019, Citi removed nearly all of the travel protections from its entire lineup of credit card products.

This was a big disappointment for cardholders of the Citi® Double Cash Card – 18 month BT offer, as eliminating the travel insurance made the card much less valuable to have.


Different types of credit card travel insurance explained

As listed above, there are several different types of credit card travel insurance. While the types of protections and amount of coverage vary, there are some elements that remain constant throughout.

Remember that to be insured during your travels, you must use the respective card for your travel expenses, such as airfare, hotel reservations or cruise excursions.

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Here are some of the most common protections:

Travel accident insurance typically covers individuals in the event of death or dismemberment during the course of common carrier travel — that is, a vehicle that is licensed to transport any public passenger who pays a fare or buys a ticket with the card, and is available on a regular schedule (planes, trains, ferries and cruise ships, for example). Here's what you should know:

  • Typically, the coverage is only extended to the cardholder and their immediate family, though how immediate family is defined will vary from issuer to issuer.
  • The amount of money this benefit can pay out will typically vary between $100,000 and $500,000.
  • The list of exclusions on travel accident insurance is hefty — most credit cards will not provide any payout in the event of physical illness; disease; pregnancy, childbirth or miscarriage; bacterial or viral infection; bodily malfunctions or medical, surgical treatment or diagnosis.

If your credit card provides lost luggage insurance, you will be covered up to a certain amount of money for the loss or damage sustained to carry-on or checked baggage. Here's what you should know:

  • This benefit is typically limited to a few thousand dollars per person, per trip.
  • In certain cases, separate limits are placed on special items, such as jewelry.
  • In certain cases, your card may also cover damages that result from your bags being delayed — though only for items deemed vitally important. Items such as a toothbrush, laptop or even contact lenses are often not included.

For example, with the Chase Sapphire Preferred® Card, cardmembers may receive up to $500 per insured person per trip on jewelry, watches, cameras, video recorders and other electronic equipment. The payout for this benefit will be equal to the replacement value of the items lost or damaged, up to the maximum payout amount.

That means if the covered items you lost were valued at $300 and your maximum payout amount is $500, you will receive just $300. If you lost $700 worth of items in that same scenario, you would only be eligible to receive $500.

Trip cancellation and interruption insurance is the rarest type of travel insurance provided by credit cards protects individuals against damages resulting from cancelled or interrupted travel plans. . Here's what you should know:

  • This coverage includes flight insurance — for example, if your flight is canceled by the carrier as a result of inclement weather, or if you miss a nonrefundable flight due to a covered reason, you may be eligible to receive money back through your credit card travel insurance policy.
  • This coverage will commonly only pay for the cost of the flight you miss. Any extraneous expenses related to the interruption, such as losing a night at a hotel, will not be covered in most cases.
  • Some premium credit cards offer coverage for this type of loss, though limits are usually set pretty low.

If you or your family members become sick or injured during your trip and require an emergency evacuation, you can be covered for those services through emergency evacuation and transportation. Here's what you should know:

  • Coverage includes transportation, medical services and medical supplies.
  • Pandemics are not covered under this policy as this is for emergencies like accidents or falls. Each policy has specific terms to meet before a claim can be filed, so be sure to read the fine print.

With emergency medical and dental benefit, you can be reimbursed for up to a specified amount of medical expenses if you or your immediate family members become sick or injured while traveling. Here's what you should know:

  • Coverage includes ambulance services, drugs, medicine and therapeutic services.
  • You must use the respective card for your travel expenses, such as airfare, hotel, rental car and any other applicable costs.

Credit card travel insurance FAQs

We've answered the most often-asked questions about credit card travel insurance.

What credit cards give you free travel insurance?

While many travel rewards cards come with the added benefit of complimentary travel insurance, this isn't true for all issuers. For example, Barclays and Citi have eliminated all trip insurance benefits from their cards in recent years. We recommend checking out cards from American Express, Chase or Capital One if you're looking for complimentary travel coverage — although limits will vary between each card.

Is credit card travel insurance any good?

Yes. For most travelers with no irregular conditions, credit card travel insurance will serve you well in case of any interruptions or delays. However, those who have pre-existing conditions should be wary as credit card travel insurance will not offer you coverage. Or, if you're looking for coverage specifically related to the coronavirus, you'll need to purchase additional travel insurance — ideally one with cancel-for-any-reason coverage.

What type of travel insurance can you get from your credit card?

While the coverages offered will change per card, you may be offered benefits such as trip cancellation and interruption coverage, primary or secondary rental car insurance, emergency medical services, baggage insurance and more. You'll need to check the fine print to see exactly what's covered under each policy.

Is credit card travel insurance worth it?

Yes. Credit card travel insurance can offer quite a broad range of coverages that can come handy in unthinkable situations. When an emergency happens, you can contact your card company or the benefits administrator on your card to receive immediate assistance. However, if you have any chronic medical conditions or belong to a vulnerable group, we recommend purchasing additional travel insurance.

For rates and fees of American Express® Gold Card, please click here.

For rates and fees of Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of Delta SkyMiles® Gold American Express Card, please click here.

For rates and fees of Delta SkyMiles® Platinum American Express Card, please click here.

For rates and fees of Delta SkyMiles® Reserve American Express Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

The information related to American Express® Green Card, Blue from American Express®, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, Centurion® Card from American Express, Disney Premier Visa® Credit Card, Journey Student Rewards from Capital One, Capital One Platinum Credit Card, PlayStation® Card from Capital One®, Secured Mastercard® from Capital One, Blue from American Express® and the Hilton Honors American Express Surpass® Card have been independently collected by ValuePenguin and have not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

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).