When we travel, we travel with happy thoughts. Whether it is a holiday tour with friends and family, or a business tour, you surely do not want to face any unpleasant situations. Yet they happen. Therefore, you should think of what can go wrong and take some safety precautions.
Having a travel insurance credit card can be one of your precautions to have a trouble-free journey. American Express, Chase Sapphire Reserve, United Club℠ Infinite Card, United Explorer Card, etc., are some of the best credit cards for travel insurance. They will be at your assistance if you face any unwanted circ*mstances while traveling.
You need to deal with the best companies for the best experience. This article will help you compare different credit cards and ultimately choose the right one for you.
Page Contents
| Credit Card | Welcome Bonus Points | Annual Fee | Regular APR |
| Platinum Card® from American Express | 80,000 | $695 | See Pay Over Time APR |
| Hilton Honors American Express Aspire Card | 150,000 | $450 | 20.99% – 29.99% variable |
| Chase Sapphire Reserve | 60,000 | $550 | 22.24% – 29.24% Variable |
| United Club℠ Infinite Card | 80,000 | $525 | 21.49% – 28.49% Variable |
| Chase Sapphire Preferred® Card | 60,000 | $95 | 21.24% – 28.24% Variable |
| Capital One Venture X Rewards Credit Card | 75,000 miles | $395 | 21.99% – 28.99% (Variable) |
| Delta SkyMiles® Gold American Express Card | 40,000 miles | $0 (1st year)$99 (from 2nd year) | 20.99%-29.99% Variable |
| U.S. Bank Altitude® Reserve Visa Infinite® Card | 50,000 | $400 | 22.24% – 29.24% variable |
| United℠ Explorer Card | 60,000 | $0 (1st year)$95 (from 2nd year) | 21.49% – 28.49% Variable |
1. Platinum Card® from American Express
| Trip cancellation | Per Person $10,000 | Per Trip $20,000 | Per Year $40,000 |
| Trip interruption | Per Person $10,000 | Per Trip $20,000 | Per Year $40,000 |
| Trip delay | Up to $500 per ticket (after six hours) | ||
| Baggage delay | Up to $100 (each day for five days) | ||
| Lost luggage | $3,000 (maximum) per passenger. | ||
| Travel accident | $1,000,000 (maximum) | ||
| Rental car insurance | $75,000 (maximum) | ||
If you want to talk about credit card travel insurance, then is there any way you can leave American Express behind? Their travel card has almost everything in their coverage to make your travel safer and tension-free.
From travel accident insurance to trip cancellation insurance and interruption insurance, everything is available. In case you lose your luggage, you can get up to $3000 per passenger as per luggage insurance.
Though no one expects to suffer from any accidents, American Express will be there to help you if you are ever in need of their help. The insurance coverage also includes paying money to the card issue if he or she faces an accident. The sum can rise up to $1,000,000.
You have to agree that American Express offers plenty of good services. You should consider having their platinum card to make your future travels more convenient.
2. Hilton Honors American Express Aspire Card
| Trip cancellation | Per Trip $10,000 | Per Year $20,000 | |
| Trip interruption | Per Trip $10,000 | Per Year $20,000 | |
| Baggage delay | $100 (for three days) | ||
| Lost luggage | $3,000 per passenger (maximum) | ||
| Travel accident | $500,000 (maximum) | ||
| Rental car insurance | $500,000 (maximum) | ||
The next in line is the Hilton Honors American Express Aspire Card. Why is it at the top of the list? Just check on the travel insurance coverage of this insurance company, and you will understand. Their coverage includes both trip cancellation and interruption reimbursem*nt. The amount can be up to $10,000 per trip and $20,000 in a year.
The credit card issuer will also get assistance if there is any problem with rental cars. You can get a maximum of $50,000 as an insurance claim if the rental car is stolen or damaged by an accident. Having a Hilton Honors American Express Aspire Card really increases your travel protection.
3. Chase Sapphire Reserve
| Baggage delay | Per day $100 per (up to five days) | ||
| Lost luggage | $3,000 | ||
| Travel accident | $1,000,000 | ||
| Rental car insurance | $75,000 (maximum for physical damage or theft) | ||
Chase Sapphire Reserve is another popular travel credit card with many advantages. It can reduce your travel expenses with its lost luggage policy and baggage delay policy. Their car may help you get a maximum of $100 per day if there are any delays in the arrival of your luggage. They will pay you for up to five days.
The Chase Sapphire Reserve credit card may come in handy during accidents while traveling. Their travel insurance covers your accidents too. They offer up to $1,000,000 for your physical accidents. If your rental car is stolen or damaged, you can also sign for a travel insurance claim and get up to $75,000.
Unfortunately, however, there is no trip cancellation policy for the card. You cannot file a travel insurance claim if the trip is canceled or delayed. Still, it is a great card that offers many facilities when you travel abroad.
4. United Club℠ Infinite Card
| Trip cancellation | Per Person $10,000 | Per Trip $20,000 | |
| Trip interruption | Per Person $10,000 | Per Trip $20,000 | |
| Trip delay | $500 per ticket (maximum) after 12 hours | ||
| Baggage delay | $100 (after six hours) for 3 days | ||
| Lost luggage | $3,000 per passenger | ||
| Travel accident | $500,000 | ||
| Rental car insurance | Entire rental cost | ||
United Club Infinite Cards offer several travel insurance benefits. They have both trip cancellation and interruption insurance as well as baggage insurance for both delay and loss. You can cancel your trip and get $10,000 per person for your credit card.
The Unite Club cards offer travel trip delay insurance as well. You can get a maximum of $20,000 refund for trip delay. Additionally, you can get 80,000 welcome bonus points for a new card in your first.
The United Club Infinite Club indeed is one of the best credit cards offer travel insurance. If you lose or fall victim to an accident while driving a rental vehicle, the cost of repairing will be charged to your card. They will pay the entire rental cost, which is a rare support provided by the United club infinite card.
5. Chase Sapphire Preferred® Card
| Trip cancellation | Per Person $10,000 | Per Trip $20,000 | Per Year $40,000 |
| Trip interruption | Per Person $10,000 | Per Trip $20,000 | Per Year $40,000 |
| Trip delay | $500 per ticket (maximum) | ||
| Baggage delay | $100 per day (maximum, up to five days) | ||
| Lost luggage | $3,000 per passenger (maximum) | ||
| Travel accident | $500,000. (maximum) | ||
| Rental car insurance | Equal to the cash value of the car (maximum) | ||
Different companies have different insurance policies. But very few of them are as user-friendly as the Chase Sapphire Preferred® Card. Along with trip cancellation, they also have trip interruption insurance. If your trip is interrupted, you can get around $20,000 in reimbursem*nt for travel insurance.
The lost luggage insurance keeps you safe abroad if you lose your luggage. You can get up to $3000 for lost luggage. If you have your family members with you, you will get separate money for them too. You can also use the card to pay bills for travel and dining. You will get an extra bonus for using their card.
You can also enjoy additional travel insurance benefits with the card. You can get all these benefits for a little over $300 annual travel credit. The card will cost you $550 per year as a charge. Their regular APR is also very user-friendly, with a 22.24% – 29.24% variable. You can redeem through chase ultimate rewards and enjoy many discounts and benefits.
You can use your card if you face any accidents and get injured. Their primary car rental insurance states they will pay the cash value of a rental car that gets damaged by you.
6. Capital One Venture X Rewards Credit Card
| Lost luggage | $3,000 per passenger ($2000 for NY state residents) | ||
| Travel accident | $250,000 (maximum) | ||
| Rental car insurance | Pays for damage or theft, some restrictions applicable | ||
Capital One Venture is one of the best travel rewards cards. Apart from insurance coverage, they offer you additional benefits. If you make travel purchases on your new card, you will get rewards. Their insurance coverage includes travel accidents, rental car insurance, and lost luggage. You can get up to $3000 if you lose your luggage.
7. Delta SkyMiles® Gold American Express Card
| Lost luggage | $1,250 per person (maximum for lost carry on), maximum $500 per person (lost checked luggage) | ||
| Rental car insurance | $50,000 (maximum) | ||
Most people want to get a card from American Express. They have reasons for that since American Express and Chase card provides many facilities. But they are highly expensive. Looking for some cheaper ones? Well, in that case, Delta SkyMiles Gold American Express Card is, without a doubt, one of the best credit cards with travel insurance.
Their travel insurance policies include lost luggage, rental car insurance, and more. But there is no opportunity of refunding if you cancel a trip, even if you booked the trip with a credit card from Delta.
8. U.S. Bank Altitude® Reserve Visa Infinite® Card
| Trip Delay Reimbursem*nt | $500 (maximum) |
| Trip Cancellation | Per trip $2,000 (maximum) |
| Lost Luggage Reimbursem*nt | Maximum $3,000 per trip |
U.S. Bank Altitude provides you with a great financial partner in the form of travel insurance. Their insurance could make your travel experiences far better. You get 50,000 welcome bonus points. And with every purchase with your card, you will get more points that you can redeem later for discounts and other rewards from different companies.
9. United℠ Explorer Card
| Trip cancellation | Per Person $1,500 | Per Trip $6,000 | |
| Trip interruption | Per Person $1,500 | Per Trip $6,000 | |
| Trip delay | $500 per ticket (after 12 hours of delay) | ||
| Baggage delay | $100 (maximum, for three days) | ||
| Lost luggage | $3,000 per passenger (maximum) | ||
| Travel accident | $500,000 (maximum) | ||
| Rental car insurance | Pays for damage or theft, some restrictions applicable | ||
United Explorer Card is a very well-known card that offers travel insurance. It has different types of travel insurance to choose from. United Credit card provides trip cancellation, trip interruption, and trip delay coverage. They are one of the few credit card companies to offer so many coverages.
Additionally, the cost of the card is very low. You have to pay no money in your first year. You will be charged only $95 from your second year. It is a good enough reason to place the card in your first 6 best insurance cards. You will also get 60,000 bonus points as your welcome bonus.
If you face an accident with a rental car and the payment is provided by your credit card for repair, that is great in every way. You can have a similar experience with the Explorer card.
FAQs
What is a Travel Insurance Credit Card?
A Travel Insurance Credit Card is a credit card offering additional travel insurance coverage as a benefit to cardholders. It provides financial protection and coverage for various travel-related emergencies and inconveniences.
Do all credit cards offer the same level of travel insurance coverage?
No, different insurance companies have different policies. The amount of money for certain incidents, coverage, and policies varies from company to company. You should learn about their policies before signing up for your insurance.
Can I get extra discounts for booking with a travel insurance card?
Yes, often credit card companies offer different discounts in certain places for using the card. In addition, you get bonus points for making a purchase or booking. Redeeming these points will also get you discounts and bonuses.
What does a travel insurance credit card cover?
Coverage of travel insurance credit cards varies. But typical coverage includes trip cancellations, trip interruptions, lost baggage, flight delays, medical emergencies, rental car insurance, and more.
Can I customize the coverage based on my travel needs?
Travel Insurance Credit Cards usually come with predefined coverage. Some companies offer limited customization options. If you have specific coverage needs, you might need to consider purchasing a separate travel insurance policy.
How do I file a claim on my travel insurance credit card?
To file your claim, you should check the policy of the company first. Then gather necessary documents and submit them to file a claim. Based on your different issues, you will need to adjust the documents and mention your reasons.
Conclusion
Having a travel insurance credit card can provide you with several benefits, including reimbursem*nts for trip cancellation or interruption, luggage delay or loss, rental car or trip accidents, etc. You have a number of good credit cards to choose from, such as American Express, United Explorer, Chase cards, Delta SkyMiles, and more. Expectedly, the above discussion will help you make an informed and confident decision.
![9 Travel Insurance Credit Card: Find the Best One for You [2023] | Travelvibe (2024)](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mP8/h8AAvMB+NzmkbcAAAAASUVORK5CYII=)