Which Credit Cards Offer Travel Insurance?

This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

With so many lucrative travel credit cards on the market, it's no wonder people still sign up in droves. Some people may want travel cards to earn points for their favorite hotel and airline loyalty programs, while others would rather earn cash back or fixed-value travel credit. Whichever camp people fall in, however, the vast majority also enjoy the vast travel protections you get with certain travel credit cards.

One type of coverage, which is often considered the most valuable, is travel insurance. Also known as trip cancellation/trip interruption insurance, this travel insurance is offered for free by an array of card issuers in the travel niche. Some cards also offer some form of lost and delayed baggage coverage, although limits and requirements apply. Other cards add on travel accident coverage, which provides a benefit for death or dismemberment.

Not only can travel insurance provide meaningful help if your trip is cancelled or prevented, but it can reimburse you if you get stuck somewhere and wind up covering the cost of an alternative plan home.

4 Best Credit Cards with Travel Insurance

If you travel often and don't like purchasing trip insurance on your own, the free coverage offered through your credit card can be invaluable. Here are four credit cards that offer free trip cancellation/interruption insurance and other types of coverage as cardholder perks:

Chase Sapphire Preferred®

As the ultimate travel credit card, the Chase Sapphire Preferred® card offers a combination of travel coverages. Not only does it offer trip cancellation/interruption insurance that covers up to $10,000 in damages per trip, but it offers travel accident coverage up to $500,000 and lost and delayed baggage coverage.

To qualify for any of these coverage types, you'll need to use your Chase Sapphire Preferred® to pay for applicable travel expenses. Since this card doles out 2x points for travel and dining, doing so is lucrative regardless of whether you take advantage of travel insurance or not.

As an added bonus, the Chase Sapphire Preferred® also offers primary auto rental coverage that works in nearly every country worldwide. Signing up is easy and lucrative. At the moment, you'll earn 50,000 points for spending $4,000 on your card within three months of account opening. Those points can be redeemed for $500 in gift cards or cash back, or $625 in travel. A $95 annual fee applies, but it is waived the first year.

Citi Prestige®

The Citi Prestige® is yet another travel credit card that offers serious travel perks. Not only do you get trip cancellation coverage up to $5,000 per trip and trip delay coverage worth $500, but you get lost and delayed baggage coverage as well.

The Citi Prestige® comes with additional benefits that make carrying it worthwhile as well. Not only do you get a $250 air travel credit each year, but you get your 4th night free on hotel bookings made through a Citi concierge, additional points for travel, dining, and entertainment purchases, and a huge signup bonus. For a limited time, you'll get 40,000 points after you spend $3,000 on your card within the first three months of account opening. A $450 annual fee does apply.

Ink Plus® Business Credit Card

If you're in the market for a business credit card that's also a travel card, look no further than the Ink Plus® Business Credit Card. With this card option, you'll earn valuable points that fall into the Chase Ultimate Rewards program, including 1x points on all purchases, 2x points on your first $50,000 spent annually at gas stations and hotels, and 5x points per dollar on the first $50,000 spent in combined purchases at office supply stores, cellular, and landline providers. Plus, you'll score a huge 60,000 point signup bonus after you spend $5,000 on your card within the first three months of account opening.

The Ink Plus® Business Credit Card offers travel accident coverage up to $500,000, lost and delayed luggage coverage, and trip cancellation/delay coverage up to $5,000 per trip and $500 per ticket respectively. While this coverage is free for cardholders, a $95 annual fee does apply.

United MileagePlus Explorer Card

As a Visa Signature card, the United MileagePlus Explorer Card offers an array of travel benefits that include travel and emergency assistance, medical referral assistance, emergency transportation assistance, baggage delay reimbursement, emergency translation service, and more.

Plus, you'll get auto collision damage waiver coverage that acts as primary auto rental coverage and trip delay reimbursement if your trip is delayed more than 12 hours, requiring an overnight stay.

On the rewards side, this card also offers your first checked bag free, no foreign transaction fees, priority boarding, and a signup bonus. A $95 annual fee applies, but it is waived the first year.

Final Thoughts

Plenty of other travel credit cards offer their own version of travel insurance coverage, so make sure to check them all. Depending on your travel style and coverage goals, it shouldn't be hard to find the right travel card for your needs. With travel rewards points and a card that provides emergency travel coverage if you need it, your travel experiences should be more enjoyable and a whole lot less stressful.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

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