Traveling can be an exciting and enriching experience, but it's not without its risks. That's why having the right credit card with travel insurance is essential. These cards offer a range of protections, from baggage delay and lost/damaged baggage coverage to trip delay reimbursement and trip cancellation and interruption protection.
If you're in the market for a credit card with travel insurance, we've rounded up the best options for you. Keep reading to find out which cards made our list and how you can benefit from their travel insurance perks.
Chase Sapphire Reserve
(Photo by Wyatt Smith/The Points Guy)
- Sign-up bonus: Earn 60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening.
- Rewards: 10x on Lyft rides through March 2025; 3x on dining and travel; 1x on everything else
The Chase Sapphire Reserve is an excellent choice for travelers who want comprehensive travel insurance coverage. The card offers protections such as baggage delay, lost/damaged baggage, trip delay reimbursement, trip cancellation and interruption protection, medical evacuation benefit, travel accident insurance, emergency medical and dental benefit, and rental car coverage.
The annual fee for this card is $550 ($75 for each authorized user), but the benefits and rewards make it well worth it. Plus, it provides coverage on award tickets even if you only pay for the taxes and fees with the card.
To learn more about the Chase Sapphire Reserve and its travel insurance perks, check out the full credit card review and guide to benefits.
Chase Sapphire Preferred Card
- Sign-up bonus: Earn 60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening.
- Rewards: 5x total points on all travel purchased through Chase Ultimate Rewards, 3x points on dining, select streaming services, and online grocery purchases, 2x points on all other travel, 1x point on all other purchases
The Chase Sapphire Preferred Card is another great option for travelers. It offers similar travel insurance coverage as the Chase Sapphire Reserve, including baggage delay, lost/damaged baggage, trip delay reimbursement, trip cancellation and interruption protection, travel accident insurance, and rental car coverage.
With an annual fee of $95, this card provides solid value for the average traveler. You'll also get coverage on award tickets when you use your Chase Sapphire Preferred to pay for the taxes and fees.
To learn more about the Chase Sapphire Preferred Card and its travel insurance benefits, check out our card review and guide to benefits.
Ink Business Preferred Credit Card
- Sign-up bonus: Earn 100,000 Chase Ultimate Rewards points after you spend $8,000 on purchases in the first three months from account opening.
- Rewards: 3x on travel, shipping purchases, internet, cable and phone services, and advertising purchases with social media sites and search engines; 1x on everything else
If you're a business owner, the Ink Business Preferred Credit Card is an excellent option for travel rewards and insurance. This card offers a 6% return on the first $150,000 spent in select categories, including travel, and provides the same travel insurance coverage as the Chase Sapphire Reserve and Preferred.
With an annual fee of $95, this card provides great value for business travelers. As with other Chase cards, you'll be protected on award tickets as long as you use your Ink Business Preferred to pay the taxes and fees.
To learn more about the Ink Business Preferred Credit Card and its travel insurance perks, check out the full credit card review.
United Club Infinite Card
(Photo by Eric Helgas/The Points Guy)
- Sign-up bonus: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.
- Rewards: 4x on purchases with United; 2x at restaurants and on other travel; 1x on everything else
The United Club Infinite Card is an excellent choice for frequent United Airlines flyers. Along with its impressive rewards structure, the card offers valuable travel insurance benefits, including baggage delay, lost/damaged baggage, trip delay reimbursement, trip cancellation and interruption protection, and rental car coverage.
The annual fee for this card is $525, but the travel protections and airline perks make it a worthwhile investment for United Airlines loyalists. You'll also be protected on award tickets when you use your United Club Infinite Card to pay for the taxes and fees.
To learn more about the United Club Infinite Card and its travel insurance benefits, check out the full credit card review.
The Platinum Card from American Express
- Welcome offer: Earn 80,000 points after you spend $8,000 on purchases on the card in the first six months of card membership.
- Rewards: 5x on flights booked directly with airlines or with Amex Travel, 5x on prepaid hotels booked with Amex Travel, 1x on other purchases
The Platinum Card from American Express is a premium credit card that offers exceptional travel insurance and benefits. With coverage for lost/damaged baggage, trip delay reimbursement, trip cancellation and interruption protection, rental car coverage, and more, this card provides peace of mind for your travels.
The annual fee for this card is $695, but it includes access to airport lounges, airline fee credits, and other premium perks. It's an excellent option for frequent travelers who value luxury and comprehensive travel insurance coverage.
To learn more about The Platinum Card from American Express and its travel insurance perks, check out our card review and guide to benefits.
The Business Platinum Card from American Express
- Welcome offer: Earn 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your card within the first three months of card membership.
- Rewards: 5x on flights and prepaid hotels booked through Amex Travel, 1.5x on each eligible purchase in select business categories and on each purchase of $5,000 or more, 1x on other eligible purchases
The Business Platinum Card from American Express offers similar travel insurance coverage as its personal counterpart. It includes protections such as lost/damaged baggage, trip delay reimbursement, trip cancellation and interruption protection, and rental car coverage.
With an annual fee of $695, this card is a great choice for business owners who want premium travel insurance benefits. The card also provides exceptional rewards and business-centric perks.
To learn more about The Business Platinum Card from American Express and its travel insurance benefits, check out our card review.
Delta SkyMiles Reserve American Express Card
- Welcome offer: Earn 60,000 bonus miles after you spend $5,000 in purchases on your new card in your first six months of card membership.
- Rewards: 3x on purchases made directly with Delta, 1x on all other eligible purchases
If you're a frequent Delta Airlines flyer, the Delta SkyMiles Reserve American Express Card is a great option. Along with its generous rewards structure, the card offers travel insurance benefits, including lost/damaged baggage, trip delay reimbursement, trip cancellation and interruption protection, and rental car coverage.
With an annual fee of $550, this card provides valuable perks for Delta loyalists. It's an excellent choice if you want to earn Delta miles and enjoy comprehensive travel insurance coverage.
To learn more about the Delta SkyMiles Reserve American Express Card and its travel insurance benefits, check out the full credit card review.
Bank of America Premium Rewards credit card
- Sign-up bonus: Earn 60,000 points after you spend $4,000 on purchases in the first 90 days from account opening.
- Rewards: 2 points per $1 on travel and dining, 1.5 points per $1 on all other purchases
The Bank of America Premium Rewards credit card offers solid travel insurance benefits, including trip delay reimbursement, trip cancellation and interruption protection, baggage delay, lost luggage reimbursement, and emergency evacuation and transportation coverage. It also provides rental car coverage.
With an annual fee of $95, this card provides excellent value for travelers. Bank of America Preferred Rewards® members can earn even more points on their purchases, making this card even more rewarding for loyal customers.
To learn more about the Bank of America Premium Rewards credit card and its travel insurance perks, check out our card review.
U.S. Bank Altitude Reserve Visa Infinite Card
(Photo by John Gribben for The Points Guy)
- Sign-up bonus: Earn 50,000 points after you spend $4,500 in the first 90 days of account opening.
- Rewards: 5x on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3x on eligible travel purchases and mobile wallet spending, 1x on other purchases
The U.S. Bank Altitude Reserve Visa Infinite Card is a great option for travelers who want a premium credit card with travel insurance benefits. The card offers trip delay reimbursement, trip cancellation and interruption protection, lost baggage reimbursement, travel accident insurance, and rental car coverage.
With an annual fee of $400, this card provides excellent value for frequent travelers. It's a solid alternative for those who may not qualify for a Chase card but still want comprehensive travel insurance coverage.
To learn more about the U.S. Bank Altitude Reserve Visa Infinite Card and its travel insurance benefits, check out our card review.
Main Benefits of Having a Credit Card with Travel Insurance
Having a credit card with travel insurance offers a range of benefits for travelers. First and foremost, it provides simplicity and peace of mind. With a card that offers comprehensive travel insurance coverage, you don't have to worry about researching and purchasing independent travel insurance for every trip. Your credit card's travel insurance benefits have you covered.
Another major advantage is cost savings. Instead of paying for separate travel insurance policies, your credit card's travel insurance perks can save you money. For example, if you frequently rent cars, you can save on rental car insurance fees by using a credit card that offers primary coverage.
Finally, having a credit card with travel insurance provides reassurance and protection. Whether it's trip delays, lost baggage, or emergency medical situations, you can rely on your card's travel insurance benefits to support you during unforeseen circumstances.
How to Submit a Claim
If you find yourself in a situation where you need to make a claim with your credit card's travel insurance, there are a few steps you should take. First, carefully review your card's guide to benefits to understand the coverage and requirements. It's also a good idea to call the number on the back of your card to speak with a representative and ensure you have all the necessary information and documents.
Many card issuers now offer online claim filing, which makes the process easier and more convenient. Be sure to adhere to any deadlines for submitting your claim and provide all requested documentation to support your claim.
Remember, having a credit card with travel insurance is an added layer of protection, but it's essential to familiarize yourself with the specific coverage and requirements of your card's insurance benefits.
Having the right credit card with travel insurance can make all the difference in your travel experiences. It provides peace of mind, cost savings, and valuable protections. Consider these top credit cards with travel insurance when planning your next trip to ensure you have the coverage you need.
