Best Credit Card For Travel Insurance Benefits
Hopefully you never have to use this benefit. But it's nice to fall back on if and when needed. Trips can be cancelled or interrupted for any number of unforeseen circumstances -- including accidents, illness and plane delays. In our rankings, the (+) cards include category spend multipliers with the premium version of insurance that include: lost luggage, trip delay benefits and medical insurance and/or evacuation insurance in case of injury or illness. The (-) cards have notable limitations.
Amex Platinum
Chase Sapphire Reserve
Chase Sapphire Reserve Business
Our Top Selections for Travel Insurance (+)
These cards include category spend multipliers with the premium version of insurance that include: lost luggage, trip delay benefits and medical insurance and/or evacuation insurance in case of injury or illness.
| Value | ||
|---|---|---|
|
|
Amex Platinum Lost luggage, trip delay, and trip cancellation/interruption when travel is purchased with the card. Coverage up to $3,000 luggage, $500 delay, $10,000 per trip cancellation/interruption. Evacuation assistance arranged and covered when approved. |
100 |
|
|
Chase Sapphire Reserve Travel accident, luggage, baggage delay, trip delay, cancellation, and evacuation insurance on trips paid with the card. Coverage up to $1M accident, $3K luggage, $100/day for 5 days baggage delay, $500 trip delay, $10K cancellation, and $100K evacuation. |
100 |
|
|
Chase Sapphire Reserve Business Travel accident, luggage, baggage delay, trip delay, cancellation, and evacuation insurance on trips paid with the card. Coverage up to $1M accident, $3K luggage, $100/day for 5 days baggage delay, $500 trip delay, $10K cancellation, and $100K evacuation. |
100 |
Other Cards with Solid Value for Travel Insurance (=)
| Value | ||
|---|---|---|
|
Air France KLM Travel accident Insurance $500,000. |
100 |
|
Amazon Prime Visa Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, and $10,500 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
American Airlines Citi AAdvantage Business Lost luggage insurance when travel is purchased with the card. Coverage up to $3,000 per person. |
100 |
|
American Airlines Citi AAdvantage Globe Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3000 per person for lost luggage, $500 for trip delay, and $5000 per trip for trip cancellation. Travel accident Insurance $250,000 |
100 |
|
Amex Business Gold Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $500 per person for lost luggage and $500 for trip delay. |
100 |
|
Amex Business Platinum Lost luggage, trip delay, and trip cancellation/interruption when travel is purchased with the card. Coverage up to $3,000 luggage, $500 delay, $10,000 per trip cancellation/interruption. Evacuation assistance arranged and covered when approved. |
100 |
|
Atmos Rewards Ascent Visa Signature Travel accident Insurance $1,000,000. |
100 |
|
Atmos Rewards Summit Visa Infinite Travel accident, lost luggage, trip delay, trip cancellation/interruption, and emergency evacuation when travel is purchased with the card. Coverage up to $1M accident, $3K luggage, $500 delay, $10K cancellation/interruption, and $100K evacuation. |
100 |
|
Atmos Rewards Visa Business Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $50 for trip delay. Travel accident Insurance $1,000,000. |
100 |
|
Bank of America Premium Rewards Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $500 per person for lost luggage, $500 for trip delay, and $5,000 per trip for trip cancellation. Travel accident Insurance $1,000,000. |
100 |
|
Bank of America Premium Rewards Elite Travel accident, lost luggage, trip delay, trip cancellation/interruption, and emergency evacuation when travel is purchased with the card. Coverage up to $1M accident, $3K luggage, $500 delay, $10K cancellation/interruption, and $100K evacuation. |
100 |
|
Bank of America Travel Rewards Travel accident Insurance up to $500,000. |
100 |
|
Bilt Obsidian Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $1,500 per person for lost luggage, $300 for trip delay, and $2000 per trip for trip cancellation. Coverage is secondary. |
100 |
|
Bilt Palladium Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $1,500 per person for lost luggage, $300 for trip delay, and $2000 per trip for trip cancellation. Travel accident Insurance $500,000 |
100 |
|
Capital One Quicksilver Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, and $3,000 per trip for trip cancellation. Travel accident Insurance $1,000,000. |
100 |
|
Capital One Spark 2% Cash Plus Lost luggage insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage. |
100 |
|
Capital One VentureOne Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $1,500 per trip for trip cancellation. Travel accident Insurance $250,000. |
100 |
|
Chase Aeroplan Luggage delay, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $300 per day for luggage delay, $500 for trip delay, and $1500 per person for trip cancellation. |
100 |
|
Chase Disney Premier Travel accident Insurance up to $1,000,000. |
100 |
|
Chase Freedom Flex Trip interruption coverage when travel is purchased with the card coverage up to $1,500 per person and $6,000 per trip. Travel accident Insurance $500,000. |
100 |
|
Chase Freedom Unlimited Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $6,000 per trip for trip cancellation. |
100 |
|
Chase Ink Business Cash Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $300 per person for luggage delay, $500 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
Chase Ink Business Preferred Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
Chase Ink Business Premier Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $1000 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
Chase Sapphire Preferred Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
Citi Strata Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3000 per person for lost luggage, $500 for trip delay, and $5000 per trip for trip cancellation. Travel accident Insurance $500,000 |
100 |
|
Citi Strata Elite Lost luggage, trip delay, trip cancellation insurance when travel is purchased with the card. Coverage up to $5000 per person for lost luggage, $500 for trip delay, and $5000 per trip for trip cancellation. Travel accident Insurance $250,000 |
100 |
|
Citi Strata Premier Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $5,000 per trip for trip cancellation. Travel accident Insurance $1,000,000. |
100 |
|
Delta SkyMiles Gold Business Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $1,250/carry on and $500/checked bags per person for lost luggage, $500 for trip delay, and $10,000 per trip for trip cancellation. |
100 |
|
Delta SkyMiles Platinum Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $1,250 for carry-on and $3,000 for checked baggage, $300 for trip delay, and $10,000 per trip for trip cancellation. |
100 |
|
Delta SkyMiles Reserve Lost luggage, trip delay, and trip cancellation/interruption when travel is purchased with the card. Coverage up to $1,250 luggage, $500 delay, $10,000 per trip cancellation/interruption. Evacuation assistance arranged and covered when approved. |
100 |
|
Delta SkyMiles Reserve Business Lost luggage, trip delay, and trip cancellation/interruption when travel is purchased with the card. Coverage up to $1,250 luggage, $500 delay, $10,000 per trip cancellation/interruption. Evacuation assistance arranged and covered when approved. |
100 |
|
Hawaiian Airlines Luggage delay, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $300 per person for luggage delay and $1,500 for trip delay, or trip cancellation. Travel accident Insurance $250,000. |
100 |
|
Hilton Honors Business Lost luggage insurance when travel is purchased with the card. Coverage up to $1,250 per carry-on luggage and $500 per checked bag. |
100 |
|
IHG One Rewards Premier Lost luggage insurance up to $3,000 per person, trip cancellation insurance up to $5,000 per person, and baggage delay insurance up to $100 per day for up to 5 days. Travel accident Insurance $500,000. |
100 |
|
IHG One Rewards Premier Business Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $1500 for trip delay, and $6,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
Marriott Bonvoy Bevy Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $500 per person for lost luggage and $300 for trip delay. Travel accident Insurance $500,000. |
100 |
|
Marriott Bonvoy Bold Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $500 for trip delay. Travel accident Insurance $500,000. |
100 |
|
Marriott Bonvoy Bountiful Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $500 for trip delay. Travel accident Insurance $500,000. |
100 |
|
Marriott Bonvoy Business Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $500 per person for lost luggage, $300 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
United Business Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
United Club Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
United Club Business Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
United Gateway Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3000 per person for lost luggage and $1500 per trip for trip cancellation. Coverage is secondary. Travel accident Insurance $500,000 |
100 |
|
United Quest Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $6000 per trip for trip cancellation. Travel accident Insurance $1,000,000. |
100 |
|
US Bank Altitude Connect Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $300 for trip delay, and $2,000 per trip for trip cancellation. |
100 |
|
US Bank Business Altitude Connect Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $300 for trip delay, . Travel accident Insurance $250,000. |
100 |
|
World of Hyatt Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
Cards Offering Some Value for Travel Insurance with Limitations (-)
| Value | ||
|---|---|---|
|
Amazon Business Prime Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $1,250 for lost luggage, $500 for trip delay, and $10,000 per trip for trip cancellation. |
100 |
|
Amex Business Green Lost luggage and trip delay insurance when travel is purchased with the card. up to $3,000 per person and trip delay protection up to $300. Coverage up to $500 per person for lost luggage and $300 for trip delay. Travel accident Insurance $350,000. |
100 |
|
Amex Gold Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $300 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $350,000. |
100 |
|
Amex Green Lost luggage and trip delay insurance when travel is purchased with this card. Coverage up to $500 per person for lost luggage and $300 for trip delay. Travel accident Insurance $100,000. |
100 |
|
Bank of America Business Advantage Travel Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $5,000 per trip for trip cancellation. Travel accident Insurance $1,000,000. |
100 |
|
British Airways Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $500 for trip delay. Travel accident Insurance $500,000. |
100 |
|
Capital One Savor Lost luggage insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage. Travel accident Insurance $1,000,000. |
100 |
|
Capital One Spark 1.5% Cash Select Travel accident Insurance $250,000. |
100 |
|
Capital One Spark 2% Cash Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $2,000 per person for trip cancellation. Travel accident Insurance $250,000. |
100 |
|
Capital One Venture Business Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $2,000 per trip for trip cancellation. Travel accident Insurance $250,000. |
100 |
|
Capital One Venture Rewards Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $1,500 per trip for trip cancellation. Travel accident Insurance $250,000. |
100 |
|
Capital One Venture X Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $2,000 per trip for trip cancellation. Travel accident Insurance $250,000. |
100 |
|
Capital One Venture X Business Luggage delay and trip cancellation insurance when travel is purchased with the card. Coverage up to $300 per person for luggage delay and $1500 per trip for trip cancellation. Coverage is secondary. Travel accident Insurance $1,000,000 |
100 |
|
Capital One VentureOne Business Luggage delay and trip cancellation insurance when travel is purchased with the card. Coverage up to $300 per person for luggage delay and $1500 per trip for trip cancellation. Coverage is secondary. Travel accident Insurance $250,000 |
100 |
|
Chase Ink Business Unlimited Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $500 per person for lost luggage and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
Citi Costco Anywhere Visa Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $500 for trip delay. Travel accident Insurance $250,000. |
100 |
|
Citi Costco Business Travel accident Insurance $250,000. |
100 |
|
Delta SkyMiles Platinum Business Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $500 per person for lost luggage and $300 for trip delay. |
100 |
|
Hawaiian Airlines Business Luggage delay, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $300 per person for luggage delay and $1,500 for trip delay, or trip cancellation. Travel accident Insurance $250,000. |
100 |
|
Hilton Honors Aspire Lost luggage, trip delay, and trip cancellation/interruption when travel is purchased with the card. Coverage up to $3,000 luggage, $500 delay, $10,000 per trip cancellation/interruption. Evacuation assistance arranged and covered when approved. |
100 |
|
Hilton Honors Surpass Lost luggage insurance when travel is purchased with the card. Coverage up to $1,200 per carry on and $500 per checked luggage. |
100 |
|
IHG One Rewards Traveler Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $5,000 per person up to $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
JetBlue Travel accident Insurance up to $250,000. |
100 |
|
JetBlue Business Travel accident Insurance $250,000. |
100 |
|
JetBlue Plus Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $300 per person for lost luggage and $5,000 per trip for trip delay or cancellation.Travel accident Insurance $250,000. |
100 |
|
JetBlue Premier Travel accident Insurance $250,000. |
100 |
|
Lufthansa Miles and More Luggage delay, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $300 per person for luggage delay and $1,500 for trip delay, or trip cancellation. Travel accident Insurance $250,000. |
100 |
|
Marriott Bonvoy Boundless Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $500 for trip delay. Travel accident Insurance $500,000. |
100 |
|
Marriott Bonvoy Brilliant Lost luggage, trip delay, and trip cancellation/interruption when travel is purchased with the card. Coverage up to $3,000 luggage, $500 delay, $10,000 per trip cancellation/interruption. Evacuation assistance arranged and covered when approved. |
100 |
|
Southwest Rapid Rewards Performance Business Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $10,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
Southwest Rapid Rewards Plus Lost and delayed luggage insurance. Coverage up to $3,000 per person for lost luggage and up to $100 per day for 3 days for delayed luggage. Travel accident Insurance $500,000. |
100 |
|
Southwest Rapid Rewards Premier Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $500 for trip delay. Travel accident Insurance $500,000. |
100 |
|
Southwest Rapid Rewards Premier Business Lost and delayed luggage insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $100 per day for 3 days. Travel accident Insurance $500,000. |
100 |
|
Southwest Rapid Rewards Priority Lost luggage and trip delay insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $500 for trip delay. Travel accident Insurance $500,000. |
100 |
|
United Explorer Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage, $500 for trip delay, and $6,000 per trip for trip cancellation. Travel accident Insurance $500,000. |
100 |
|
Wells Fargo Autograph Travel accident Insurance $500,000 |
100 |
|
Wells Fargo Autograph Journey Lost luggage and trip cancellation insurance when travel is purchased with the card. Coverage up to $3,000 per person for lost luggage and $15,000 per trip for trip cancellation. Travel accident Insurance $1,000,000 |
100 |
|
Wells Fargo Signify Business Travel accident insurance when common carrier tickets are purchased with the card. Coverage up to $250,000. Lost luggage reimbursement up to $300 per trip after four hours. |
100 |
|
World of Hyatt Business Trip cancellation insurance when travel is purchased with the card. Coverage up to $1,500 per person NS $6,000 per trip. Travel accident Insurance $500,000. |
100 |