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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

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 feature cards from Chase, American Express and Capital One — three issuers that offer excellent complimentary travel protections.

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

Chase Sapphire Reserve®

On Chase's Secure Website

$550

17.24% - 24.24% 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 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

Credit card travel insurance and COVID-19

In late 2019, the coronavirus began making news as a global outbreak began to spread. During the ensuing COVID-19 pandemic, many travelers were left scrambling for options as airlines began canceling flights starting in January 2020. Although air travel has started recovering, 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 pandemic?

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 including "Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip" or "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.

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® 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.

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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
Card
Rental car insurance
Luggage protection
Trip interruption insurance
Annual fee
Chase Freedom Flex℠
On Chase's Secure Website
SecondaryN/aUp to $1,500 per person and $6,000 per trip$0
Show All Rows

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

On Chase's Secure Website

$550

17.24% - 24.24% 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 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

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 global 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. Visit Amex's website to see a full list of cards with trip cancellation/interruption insurance.

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

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

$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.
  • $200 Hotel Credit: 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®.
  • $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.
  • 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.
  • $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. Read more about the travel benefits on The Platinum Card® from American Express here.

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

The best travel credit cards will come with top travel coverage. This means 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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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.

Card
Rental car insurance
Luggage protection
Trip interruption insurance
Annual fee
Capital One Quicksilver Cash Rewards Credit Card
On Capital One's Secure Website
SecondaryNoneNone$0
Show All Rows

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

On Capital One's Secure Website

$395

17.24% - 24.24% (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
  • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
  • 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

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 X Rewards Credit Card carries the best travel benefits.

Cardholders will have up to $250,000 in travel accident insurance coverage, lost luggage reimbursement, trip interruption/cancellation insurance 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.

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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.


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.

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.

Here are some of the most common protections:

Travel accident insurance

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 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 is another type of insurance that covers problems with luggage when you travel. 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, cell phones, jewelry or contact lenses are often not covered.

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance is the rarest type of travel insurance provided by credit cards 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 insurance

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

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 particular credit card, 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.

Is credit card travel insurance good enough?

All insurance products protect you against unlikely events. So it will be a matter of your own individual risk tolerance to know if credit card travel insurance is good enough. In order to make an informed decision, you just need to know the details of your policy, and what is and is not covered.

What does credit card travel insurance cover?

Credit card travel insurance covers a variety of different circumstances that can come up when traveling. The exact details of what credit card travel insurance covers depends on the type of insurance and the exact details of your policy. Here are a few types of credit card travel insurance and what they might cover:

  • 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

What does credit card travel insurance not cover?

Insurance companies make their money by being very specific and particular about what is and is not covered. 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:

  • Any trips where you did not pay for it with the credit card in question.
  • Fear of traveling — for instance if you want to cancel a trip due to high cases of COVID-19 where you're traveling.
  • Expenses that are covered/reimbursed by another party, such as an airline or your employer.
  • Self-inflicted injuries or preexisting conditions

How to use credit card travel insurance

The first step to use 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. First of all, make sure to document any out-of-pocket expenses and save all of your receipts.
  2. 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.

Credit card travel insurance FAQs

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 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.

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

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.

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.

How does credit card travel insurance work?

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.

Does Visa card cover travel insurance?

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.

Does Discover offer travel insurance?

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.

Does Bank of America offer travel insurance?

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.

Do I get travel insurance with my bank?

Generally banks do not provide travel insurance, though there are some banks that partner with insurance companies. You're better off checking the benefits of the credit cards that you hold to see what kind of travel insurance you have available.

Do I have travel insurance with my bank?

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 they partner with an insurance agency to allow you to purchase travel insurance at a discount.

Can I get travel insurancethrough my bank?

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.

How good is credit card travel insurance?

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.

Do all credit cards have travel insurance?

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.

Does credit card travel insurance cover cruises?

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.

Does credit card travel insurance cover family?

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.

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 a ton of everyday cards with no annual fee that come with travel insurance benefits.

The information related to Capital One Platinum Credit Card, Journey Student Rewards from Capital One and Capital One Platinum Secured Credit Card has been independently collected by ValuePenguin and has 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).