What Credit Card has the Best Travel Protection?
When your luggage is stolen or lost, your journey is cut short due to circumstances beyond your control, or your rental car is vandalized, credit cards that include travel insurance can assist shield you from financial damages.
Amazingly, credit cards that include travel insurance provide this additional safety at no extra cost. You may take advantage of these extra benefits for nothing if you have one of the best rewards credit cards with travel insurance.
It shouldn’t come as a surprise to you that premium travel credit cards often give the widest coverage, but the travel insurance advantages you’ll get with a rewards card might vary significantly.
The best credit cards for travel insurance may offer you many types of coverage, such as trip cancellation and interruption insurance, auto rental insurance, baggage delay insurance, reimbursement for lost luggage, roadside assistance, and more.
The following rewards credit cards with travel insurance should be at the top of your list if you’re expecting to receive travel insurance as a bonus for being a cardholder.
1. Chase Sapphire Reserve
Best for luxury travel
- Insurance coverage for trip cancellation and interruption of up to $10,000 per person and $20,000 per trip
- Up to $75,000 in primary theft and accidental damage coverage
- Insurance against baggage delays: up to $100 per day for five days.
- Trip delay reimbursement: up to $500 per ticket
- Roadside assistance: four times each year, up to $50 per occurrence
- Reimbursement for lost luggage is up to $3,000 per traveller.
- Emergency and travel help services
- Up to $1 million in coverage for travel-related accidents
- Transportation and emergency evacuation coverage, up to $100,000 per journey
- When you’re at least 100 miles from home, you can receive up to $2,500 in emergency medical or dental benefits.
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2. The Platinum Card from American Express
Runner-up for luxury travel
- When you are at least 100 miles from home, the Global Assist Hotline is available.
- Insurance against travel cancellation and interruption is available for up to $10,000 per trip and $20,000 per qualifying card each year.
- Travel delay coverage: up to $500 for each included trip (maximum of two claims every 12 months)
- Insurance coverage for luggage is available for up to $3,000 per passenger for carry-on bags and $2,000 per person for checked bags.
- On rentals lasting no more than 30 consecutive days, secondary car rental coverage is available for up to $75,000.
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3. Chase Sapphire Preferred Card
Best for budget travel
- Insurance for trip interruption and cancellation: up to $20,000 per trip and $10,000 per person
- When renting a car for less than 31 days in a row, primary accident and damage insurance covers the vehicle up to its cash worth.
- Insurance against baggage delays: up to $100 daily for a maximum of five days.
- Reimbursement for missed connections up to $500 per ticket
- Highway dispatch
- Reimbursement for lost luggage is up to $3,000 per traveller.
- Emergency assistance and travel
- Up to $500,000 in travel accident insurance
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4. Capital One Venture X Rewards Credit Card
Best for everyday use
- Coverage for trip interruption and cancellation of up to $2,000 per covered person
- Travel delay compensation of up to $500 for each ticket booked
- Up to the real monetary worth of the car ($75,000) for auto rental accident damage resulting from theft or collision
- Insurance for misplaced luggage: up to $2,000 per bag and $3,000 per trip
- Emergency and travel help services
- Insurance for travel-related accidents: up to $1,000,000 per person
5. United Club Infinite Card
Best airline card for travel insurance
- Insurance against trip cancellation and interruption: up to $10,000 per insured person and $20,000 per trip
- Insurance against baggage delays: up to $100 daily for a maximum of three days.
- Reimbursement for lost luggage is up to $3,000 per traveller.
- Reimbursement for travel delay: up to $500 per person
- Primary rental car coverage: accident and theft up to the monetary value of the vehicle
- Transportation and emergency evacuation services
- Emergency and travel help services
6. Ink Business Preferred Credit Card
Best for small businesses
- Insurance coverage against trip cancellation and interruption: up to $5,000 per person and $10,000 per insured trip
- Emergency and travel help services
- Highway dispatch
- When you hire a car for business, the primary coverage is up to the monetary worth of the vehicle.
How to pick a credit card that includes travel insurance
When looking for a travel credit card that includes travel insurance, consider additional benefits like rewards programmes and fees. You’ll end up with a card that serves you well at home and when you travel if you do it this way.
As you look through the top credit card offers, keep the following advice in mind:
Step One : Choose the travel insurance that you need the most. Decide which travel insurance advantages are most important to you first. Consider whether you would utilise additional perks like luggage insurance or roadside assistance even though some customers may just want main rental vehicle coverage or trip cancellation and interruption insurance.
Step Two : Review the rules and regulations. Pay attention to policy limits and exclusions in addition to selecting which travel protections you’re likely to utilise. For instance, certain travel cards only provide coverage for motor rentals during specific rental periods or inside specific nations. Other advantages have poor protection limitations and won’t offer much protection.
Step Three : Compare incentive schemes. Next, consider the incentives you want to earn with your credit card: cash back, points that can be redeemed for stays at hotels or airlines, or flexible rewards that can be used in a variety of ways. Make sure any card you’re thinking for has a rewards programme that fits your spending habits.
Step Four : Compare the benefits of cards with annual fees. Last but not least, keep in mind that the finest credit cards with travel insurance typically have yearly fees, and the most comprehensive coverage choices typically impose costs of $500 or more. Perhaps while the hefty annual charge on a travel credit card can be well worth it, if you take the time to research all your alternatives, you might be able to receive the most basic travel coverage for less (or even with no annual fee).
Top Line
Any of the rewards credit cards we’ve reviewed on this page should work if you’re looking for one with travel insurance. However, be careful to compare depending on other aspects like incentives and costs. Benefits from travel insurance may make up for a credit card’s annual cost, but don’t pay too much for the coverage you need.