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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 apply to American Express benefits and offers. Visit americanexpress.com to learn more. Citi is an advertising partner.

Credit cards with travel insurance in 2022

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

Credit card travel insurance can help you save thousands of dollars and give you peace of mind before, during or even after your trip. To be insured during your travels, you must use the respective card for your travel expenses, such as airfare, hotel reservations or cruise excursions.

Also, the terms of your credit card travel insurance will vary from issuer to issuer, as well from card to card. You should familiarize yourself with the exact terms of your card's benefits before finalizing travel bookings. Our guide below helps you dive into the travel insurance details from three major credit card issuers: Chase, Amex and Capital One.

Chase credit card 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 credit card travel insurance has some of the most inclusive definitions for who counts as an

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.

The Chase Sapphire Reserve® is not only one of the best travel credit cards on the market — it also comes with top-notch credit card travel insurance benefits.

It's one of a handful of cards in the industry that covers 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 global outbreak like the coronavirus.

Chase Sapphire Reserve®

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 $900 toward travel when you redeem through Chase Ultimate Rewards®

$550

19.24% - 26.24% 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 $900 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, 60,000 points are worth $900 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 every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Which Chase credit cards offer travel insurance?

Card
Rental car insurance
Luggage protection
Trip interruption insurance
Annual fee
Best for Chase: Chase Sapphire Reserve®
Chase Sapphire Reserve<sup>®</sup>
Primary
?
?
$550
Chase Freedom Flex℠
Chase Freedom Flex℠
Secondary
?
$0
Show All Rows

If you plan to use Chase travel insurance, you’ll need to book your entire trip (or at least part of your trip) with your eligible Chase credit card.

Depending on which Chase card you have, the insurance included with your card can either be primary or secondary. Primary insurance means you can use your Chase insurance to make a claim before relying on another policy. Secondary insurance means your policy will only kick in once you've used up any other insurance policy you may have available to you.

Whether you have primary or secondary insurance will also vary depending on the type of insurance you're claiming. For instance, you could have primary auto rental insurance, but secondary baggage delay insurance — it just depends on what your card offers. It's important to look at your specific card's insurance policies before deciding to rely on it completely for a trip.

Your Chase travel insurance policies will only apply if you meet certain criteria. For example, if you need to use your credit card's trip cancellation/interruption insurance, you’ll only be covered for the following types of situations (this list is not comprehensive):

  • Accidental bodily injury, loss of life, or sickness
  • Severe weather
  • Terrorist action or hijacking
  • Jury duty or court subpoena

However, you will NOT be covered for the following types of things (this list is not comprehensive):

  • Travel arrangements changed or canceled by a tour operator or travel agency, in most cases
  • Change in plans
  • Change in financial situation
  • A preexisting condition
  • A declared or undeclared war
  • Trips that exceed 60 days in duration are automatically not covered

And as always, make sure you pay using your eligible Chase credit card in order to claim insurance on your trip.

You may need to consider adding additional trip insurance if your destination requires specific travel insurance for entry. Some countries are requiring proof of insurance that covers COVID-19 medical care, for example.

Alternatively, cards with a lower or no annual fee may not offer as much travel protection as other cards with higher annual fees. The Chase Freedom Flex℠ is a good example: Overall, it's a great no-annual-fee credit card, but it only offers secondary car rental insurance, doesn't offer luggage protection and offers much less trip interruption insurance than other Chase cards. In this case, you may want to purchase additional insurance to make sure you're fully covered.

American Express credit card travel insurance

Many American Express cards with travel insurance benefits have large annual fees, which may discourage some from applying.

An American Express card's higher annual fees could be worth it still, given that Amex travel insurance could save you thousands of dollars on even one travel mishap.

A strong competitor to the Chase Sapphire Reserve®, The Platinum Card® from American Express provides great travel insurance coverage.

Also worth noting: unlike typical credit cards, The Platinum Card® from American Express allows you to carry a balance for some purchases, but not all.

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

$695

See Pay Over Time APR

660 - 850

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • 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 and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. 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 select 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 is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.

Which American Express credit cards offer travel insurance?

Card
Rental car insurance
Luggage protection
Trip interruption insurance
Annual fee
Best for American Express: The Platinum Card® from American Express*
The Platinum Card<sup>®</sup> from American Express
Secondary
?
?
$695
American Express® Gold Card*
American Express<sup>®</sup> Gold Card
Secondary
?
$250
Show All Rows

*Unlike typical credit cards, the American Express® Gold Card and the The Platinum Card® from American Express allow you to carry a balance for some charges, but not all.

In order for your American Express travel insurance to apply, you'll need to pay for your trip with your eligible American Express credit card. Whether you need to pay for your entire trip or just part of your trip with your card will also depend on the specific coverage you plan to claim. For example, to claim trip cancellation and interruption insurance with American Express, you'll need to have a round-trip purchase made entirely with your card in order to be covered.

Additionally, different Amex cards will offer different coverages, so you'll want to check before you leave on your trip that you are sufficiently covered in case of emergency.

The terms of your American Express insurance claim will vary depending on which Amex credit card you have and what specific insurance policy you're looking to claim. In order to be eligible for an insurance claim, you'll need to meet certain criteria.

For example, if you have The Platinum Card® from American Express and you want to claim trip cancellation and interruption insurance, only the following types of things will be covered (this list is not exhaustive):

  • Accidental bodily injury, loss of life or sickness
  • Inclement weather
  • A change in military orders
  • Terrorist Action or hijacking
  • Jury duty or court subpoena
  • Quarantine mandated by a physician

If the credit card you use to book your trip doesn't include travel insurance that’s comprehensive enough to make you feel comfortable, you may consider adding additional insurance.

No- and low-annual-fee credit cards may not offer as much or as exhaustive travel insurance as credit cards that charge higher annual fees. For example, The Amex EveryDay® Preferred Credit Card from American Express, which charges a $95 annual fee, only includes secondary auto rental insurance, and doesn't come with any luggage protection or trip interruption insurance.

Capital One credit card travel insurance

Depending on the Capital One card in question, the coverage that is offered will vary widely.

Typically, Capital One cards that charge higher annual fees will offer more and better travel insurance coverage, but even the low or no annual fee credit cards tend to offer some amount of insurance.

Cardholders will have access to travel accident insurance coverage, lost luggage reimbursement, trip interruption/cancellation insurance and primary car insurance.

Savvy traveler tip: If you're looking for a travel credit card from Capital One that offers solid travel insurance, consider the Capital One Venture Rewards Credit Card or the Capital One Quicksilver Cash Rewards Credit Card. These cards offer travel insurance coverages for either a low or no annual fee.

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Within the Capital One family of cards, the Capital One Venture X Rewards Credit Card carries the best travel benefits.

Capital One Venture X Rewards Credit Card

On Capital One's Secure Website

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

$395

18.49% - 25.49% (Variable)

720 - 850

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

Which Capital One credit cards offer travel insurance?

Card
Rental car insurance
Luggage protection
Trip interruption insurance
Annual fee
Best for Capital One: Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
Primary
?
?
$395
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Secondary
?
$95
Show All Rows

Typically, you'll need to pay for your trip using your eligible Capital One credit card in order to be covered for travel insurance. Different Capital One credit cards will offer differing amounts of travel insurance, and typically credit cards that charge higher annual fees will offer more comprehensive insurance.

For example, the Capital One Venture X Rewards Credit Card, which charges a $395 annual fee, offers far superior travel insurance than the Capital One Venture Rewards Credit Card or the Capital One VentureOne Rewards Credit Card, which both charge lower annual fees.

To be eligible to claim travel insurance through your credit card, you'll need to meet certain criteria. For example, if you have a Capital One World Mastercard credit card and want to claim baggage delay insurance, you’ll only be covered for emergency purchases of essential items while your bags are delayed during a covered trip.

This is secondary insurance, meaning it only kicks in once any other insurance you have has been used up. Additionally, your baggage delay insurance will only kick in if your bags are delayed more than four hours from the time you arrive at your destination.

You'll want to consider adding additional insurance to your trip if the credit card you use to fund your trip doesn’t come with sufficient insurance to offer you peace of mind. For example, if you have the Capital One VentureOne Rewards Credit Card — which only comes with secondary auto rental insurance and doesn't include trip interruption insurance — you might want to add external travel insurance in case of emergency.

Credit card travel insurance — is it enough?

All insurance products protect you against unlikely events. You may decide to stick with the coverage offered by your credit card, purchase additional travel insurance through your airline or a third party or simply forgo travel insurance altogether.

First, weigh the details of your credit card policy and know what travel insurance is and is not covered.

Covered: Credit card travel insurance covers a variety of different circumstances that can come up when traveling (examples below). The exact details of what credit card travel insurance covers depends on the type of insurance and the exact details of your policy.

  • Trip cancellation/interruption insurance — non-reimbursed expenses that come up if your trip is canceled
  • Trip delay insurance — meals or lodging if your trip is delayed by several hours or overnight
  • Baggage loss/delay insurance — clothes and toiletries if your bags don't arrive when you do

Not covered: Insurance companies make their money by being very specific and particular about what is and is not covered (examples below). It's important to make sure that you understand the details of any insurance provided by your credit card before you're put into a situation where it might be required. Here are a few things that are often not covered by credit card travel insurance:

  • Card not used — Trips that were not paid for by the credit card in question are usually not covered.
  • Fear of traveling — For instance, if you want to cancel a trip due to high cases of COVID-19 where you're traveling, your policy would probably not reimburse you.
  • Other party expenses — Expenses that are covered/reimbursed by another party, such as an airline or your employer, are not covered.
  • Special cases — Self-inflicted injuries or preexisting conditions typically fall outside credit card travel insurance policies.

It's a matter of your own individual risk tolerance to know if credit card travel insurance coverage is enough — consider general travel insurance options from these great travel insurance companies for more piece of mind.

Credit card travel insurance
General travel insurance
Pros
  • You don’t have to pay an additional fee for credit card travel insurance
  • Some credit cards offer comprehensive insurance coverage
  • You can travel with peace of mind knowing your trip is covered
  • Offers peace of mind knowing your trip is covered should anything go wrong
  • Can end up saving you significant amounts of money in medical expenses, lost or stolen items, trip cancellations and more
Cons
  • Most coverages require you to pay for your entire trip (or at least part of it) with your specific credit card.
  • Not all credit cards offer top travel insurance options
  • Premium credit cards with expensive annual fees tend to offer the best travel insurance coverages
  • Travel insurance can be expensive
  • Preexisting medical conditions may not count as a covered reason for cancellation
  • Coverage may require you to be a certain distance from home or traveling for a minimum amount of time
  • Not all policies cover COVID-19 complications

Savvy traveler tip: If you’re looking for the best of both worlds — an airline credit card that offers excellent insurance — consider the United Club℠ Infinite Card, which offers top-of-the-line travel and purchase coverages.

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Types of credit card travel insurance

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.

Here are some of the most common protections:

Travel accident

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.

Baggage loss/delay

Baggage Loss Insurance

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.

Baggage Delay Insurance

Baggage delay insurance will cover necessities you need to purchase due to your baggage not being available when your flight lands.

This insurance can cover purchases so you're not stuck with just the clothes on your back.

The exact list of what is and is not covered with baggage delay insurance will depend on the terms and conditions of your particular credit card, but it's common that clothing and toiletries will be covered. Things like cameras, cellphones, jewelry or contact lenses are often not covered.

Trip cancellation/interruption

Trip cancellation and interruption insurance is the rarest type of travel insurance provided by credit cards. It protects individuals against damages resulting from canceled 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.

Trip delay

When your credit card comes with trip delay insurance, you'll be covered if there is a covered delay on your trip.

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Again, terms and conditions will depend on the details of your policy, but typically there is a minimum delay required and a maximum amount that will be covered.

For example, the Chase Sapphire Reserve® covers you and your family for unreimbursed expenses up to $500, such as meals and overnight lodging. In order for the trip delay insurance to kick in, your trip must be delayed at least six hours (or require an overnight stay).

Emergency evacuation and transportation

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.

Emergency medical and dental benefit

With an 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.

Rental car

One particularly useful type of travel insurance is rental car insurance, which can cover you for expenses when renting a car. Policies could include a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) for qualifying car rentals. Usually the policy requires that you pay with the credit card that is offering the coverage, but the policy can cover damages if it is damaged or stolen.

One important distinction you'll want to make is whether your credit card offers primary or secondary car rental insurance. Primary car rental insurance will apply straightaway, while secondary car rental insurance only comes into play once other insurance like your personal car insurance policy is charged. If your credit card offers primary car rental insurance and you're comfortable with the policy, you can decline the insurance that the rental car company offers.

Airline travel

Many airlines offer travel insurance for purchase when you book your trip. While there can be some overlap with what credit card travel insurance offers, airline travel insurance can offer more or less coverage depending on which carrier you fly with.

The primary difference between airline and credit card travel insurance is that credit card travel insurance is included at no additional cost to you (as long as you book your trip using your credit card), while you’ll need to pay extra for airline travel insurance. It’s worth comparing both available coverages to see which option will be better for your needs. Airlines including Delta, American Airlines and United all include travel insurance at an additional cost, and the specific coverage offered will vary based on your particular plan and carrier.

How to use credit card travel insurance

The first step to using credit card travel insurance is to use the credit card in question to pay for your trip. You'll also want to be aware of what is and is not covered. That can help guide your decisions if something goes wrong while you're traveling. There are few things worse than paying for something you think will be reimbursed by your credit card travel insurance only to have your claim denied.

How to claim credit card travel insurance

If you do run into a situation while traveling that you think will be covered by your credit card travel insurance, there are a few things you'll want to do to get your insurance claim approved.

  1. Document: Make sure to document any out-of-pocket expenses and save all of your receipts.
  2. File: Once your trip is over and you're safely back at home, you can start the claim filing process. Log on to your credit card account or talk to the customer service department.

While most credit card companies contract with third-party insurance companies to process all travel insurance, they will be able to direct you to the right place to get started. Make sure that you stay organized and pay attention to the details to give your claim the best chance of being approved.

If you’re looking to make a claim with Chase, there are a few steps you’ll want to take:

  1. Check your Chase credit card to determine your specific coverages.
  2. Make sure you are within the allotted time frame to start your claim. This tends to be within 90 days of the incident.
  3. Start your Eclaim with Chase online. You can also call Chase with the number listed on your card’s benefits guide instead.
  4. Collect the necessary documentation and forms required for filing your specific claim.
  5. Submit your claim.
  6. Check the status of your claim by selecting "Existing Claim" on Chase’s claims website.

Credit card travel insurance coverage for COVID

Some credit card travel insurance policies may cover trip cancellation, interruption and emergency medical expenses due to COVID. Generally, the policy will only reimburse you for trips paid for by your card up to certain limits. You’ll need to read the fine print in your card agreement carefully, as qualifying losses can vary drastically with each policy.

Coverage by issuer

Issuer
Card
Trip cancellation/interruption resulting from...
ChaseChase Sapphire Reserve®Sickness experienced by you, a traveling companion, or an immediate family member of you or a traveling companion, or quarantine imposed by a physician for health reasons
AmexThe Platinum Card® from American ExpressSickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion, or quarantine imposed by a physician for health reasons

The best travel credit cards will come with top travel coverage. This means that when you use your card to purchase your trip, you'll be covered should anything go awry. This coverage could land you thousands of dollars in services in an emergency.

Sophia Mendel, ValuePenguin's travel expert

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Credit card travel insurance FAQs

Your credit card travel insurance may cover your change or cancellation fees, if the cause for the change or cancellation is covered by the policy's terms. However, many airlines have temporarily paused change or cancellation fees due to the pandemic — therefore, you may not have to worry about these 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.

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

For example, the guide to insurance benefits for the Chase Sapphire Reserve® mentions the following as covered losses:

  • Expenses for transportation, medical services and medical supplies that are necessarily incurred in connection with your emergency evacuation
  • Trip cancellation protection, including coverage for severe weather that "prevents a reasonable and prudent person from beginning or continuing on a covered trip," as well as quarantines that have been ordered 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.

It depends on the card. If you are traveling during the pandemic, it may be a good precaution to only make reservations with a card that offers emergency medical and evacuation coverage, such as the Chase Sapphire Reserve®. 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.

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.

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 preexisting 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 pandemic, you'll need to purchase additional travel insurance — ideally one with cancel-for-any-reason coverage.

While the coverage 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.

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.

Many credit cards offer travel insurance for things like canceled or interrupted trips, lost or delayed baggage or car rentals. If you pay for your trip with a credit card that offers travel insurance and you have a qualified expense, you may be reimbursed for certain expenses. Check the details of your policy to see what type of coverage you might be eligible for.

Credit card travel insurance can be very useful if you encounter a problem while traveling. Lost or delayed baggage or the cancellation of a trip can leave you stranded or without some of the necessities. The best part of credit card travel insurance is that if you have a card that offers it, you don't have to pay anything extra to take advantage of the benefit.

No, all credit cards do not come with travel insurance benefits. Generally, it's the premium or luxury credit cards that offer credit card travel insurance. Check the benefits guide of your credit card to understand what types of travel insurance benefits you might be eligible for.

Many forms of credit card travel insurance do cover trips involving cruises. Many forms of trip delay or trip cancellation insurance can cover you for certain types of expenses if your trip (including a cruise) is delayed or canceled. Check your credit card's guide to benefits to understand what type of coverage you might have.

Yes, most credit card travel insurance benefits will cover family members who are traveling with the primary cardholder. Benefits are usually subject to per-trip maximums regardless of how many people are traveling with you. Make sure to check your credit card benefits guide to understand who counts as a family member per the terms of your travel insurance policy.

As of the time of writing this article, no Discover credit cards offer travel insurance. However, credit card benefits often change over time, so make sure to check your card's benefit guide to make sure you're aware of what benefits you may be eligible for.

Many Visa cards offer travel insurance as one of the benefits of having the card. Typically it's higher-end or luxury Visa Signature or Visa Infinite cards that offer travel insurance. Check the benefits guide of your credit card to see what forms of travel insurance it offers.

Bank of America itself does not offer travel insurance, but there are some credit cards issued by Bank of America that offer travel insurance benefits. For example, the Bank of America Travel Rewards card offers trip delay, trip cancellation, baggage delay and lost luggage reimbursement coverage.

Banks and credit unions offer different benefits to their members, but it is uncommon that a bank would offer travel insurance directly. Check with your bank to see if it partners with an insurance agency to allow you to purchase travel insurance at a discount.

Your bank may partner with an insurance company to allow you to purchase travel insurance. If your bank does not, or if you're not happy with the coverage options, you might also check the credit cards you hold. Many credit cards offer different varieties of travel insurance to protect your trip.

Methodology

In this guide, we provide 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 several everyday cards with no annual fee that also offer travel insurance benefits. However, note that these are not the only credit cards on the market that are offering travel insurance.

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

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 Hilton Honors American Express Card, please click here

The information related to American Express® Green Card, Disney Premier Visa® Credit Card, The Amex EveryDay® Credit Card from American Express, The Amex EveryDay® Preferred Credit Card from American Express and Hilton Honors American Express Surpass® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

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).