Gold Benefit

Travel Insurance

All versions of card benefits are not created equal. Below is a quick reference on what cards are best for Travel Insurance benefit.

Details

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.

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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
	American Express Platinum Personal Lost luggage insurance up to $3,000 per person; trip delay protection up to $500; and trip cancellation protection up to $10,000 per trip	100
	Chase Sapphire Reserve Travel accident insurance up to $1 million; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $10,000 per person; baggage delay insurance up to $100 per day for 5 days; trip delay reimbursement up to $500 per ticket.	100

Other Cards with Solid Value for Travel Insurance (=)

		Value
	Amazon Prime Rewards Visa Travel accident insurance up to $500,000; trip cancellation insurance up to $1,500 per trip; lost luggage insurance up to $3,000 per trip; baggage delay insurance up to $100 per day for 3 days	75
	American Express Business Gold Travel accident insurance up to $100,000; trip delay protection up to $500 per ticket; lost luggage protection up to $500 per trip for all insured persons combined; baggage delay insurance up to $500	75
	American Express Platinum Business Lost luggage insurance up to $3,000 per person; trip delay protection up to $500; and trip cancellation protection up to $10,000 per trip.	75
	Capital One Quicksilver Travel accident insurance up to $250,000; trip cancellation insurance up to $1,500 per trip; lost luggage insurance up to $3,000 per trip; baggage delay insurance up to $100 per day for 3 days.	75
	Capital One VentureOne Rewards Travel accident insurance up to $250,000; trip cancellation insurance up to $1,500 per trip; lost luggage insurance up to $3,000 per trip; baggage delay insurance up to $100 per day for 3 days.	75
	Chase Aeroplan Trip cancellation insurance up to $1,500 per person and $6,000 per trip.	75
	Chase Freedom Flex Trip cancellation insurance up to $1,500 per person and $6,000 per trip.	75
	Chase Freedom Unlimited Trip cancellation insurance up to $1,500 per person and $6,000 per trip	75
	Chase Ink Business Preferred If your trip is cancelled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per trip for your prepaid, non-refundable travel expenses, including passenger fares, tours, and hotels.	75
	Chase Sapphire Preferred Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $10,000 per person; baggage delay insurance up to $100 per day for 5 days; trip delay reimbursement up to $500 per ticket	75
	Delta Skymiles Platinum Personal Lost luggage insurance up to $1,250 on carried-on baggage; lost luggage protection up to $3,000; trip delay protection up to $300; and trip cancellation protection up to $10,000 per trip.	75
	Delta Skymiles Reserve Business Travel accident insurance up to $100,000; trip cancellation insurance up to $10,000 per trip; trip delay reimbursement up to $300 per ticket; lost luggage insurance up to $1,250 for carry-on luggage and $500 for checked luggage per person.	75
	Delta SkyMiles Reserve Personal Lost luggage insurance up to $1,250 on carried-on baggage; lost luggage protection up to $3,000; trip delay protection up to $300; and trip cancellation protection up to $10,000 per trip.	75
	IHG Rewards Club Premier Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $5,000 per person; baggage delay insurance up to $100 per day for 5 days	75
	IHG Rewards Premier Business Reimbursed up to $1,500 per person and $6,000 per trip	75
	Premium Rewards Trip cancellation insurance up to $5,000 per person; trip delay reimbursement up to $500 per ticket; baggage delay insurance up to $100 per day for 5 days; lost luggage reimbursement.	75
	United Club Card Business Travel accident insurance up to $500,000; trip cancellation insurance up to $10,000 per person; trip delay reimbursement up to $500 per ticket; lost luggage insurance up to $3,000 per trip; baggage delay insurance up to $100 per day for 3 days.	75
	United Club Infinite Card Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $10,000 per person; baggage delay insurance up to $100 per day for 3 days; trip delay reimbursement up to $500 per ticket.	75
	World Of Hyatt Card Trip cancellation insurance up to $5,000 per trip; trip delay reimbursement up to $500 per ticket; travel accident insurance up to $500,000; lost luggage insurance up to $3,000; baggage delay insurance up to $100 per day for 5 days	75

Cards Offering Some Value for Travel Insurance with Limitations (-)

These cards have some level of coverage, but fall short of what we would define as travel insurance.

		Value
	Amazon Business Amex Lost luggage insurance up to $3,000 per person and trip delay protection up to $300.	50
	American Express Gold Personal Lost luggage insurance up to $3,000 per person and trip delay protection up to $300.	50
	American Express Green Business Lost luggage insurance up to $3,000 per person and trip delay protection up to $300.	50
	American Express Green Personal Lost luggage insurance up to $3,000 per person and trip delay protection up to $300.	50
	British Airways Visa Signature Travel Accident Insurance up to $250,000; lost luggage insurance up to $3,000 per person; baggage delay insurance up to $100 per day for 3 days	50
	Capital One Spark Cash Plus Business Travel Accident Insurance up to $250,000 for death or dismemberment caused by travel companies and lost luggage insurance up to $3,000 per person	50
	Capital One Venture Reward Travel Accident Insurance up to $250,000 for death or dismemberment caused by travel companies and lost luggage insurance up to $3,000 per person	50
	Capital One Venture X Travel Accident Insurance up to $250,000 for death or dismemberment caused by travel companies and lost luggage insurance up to $3,000 per person	50
	Costco Anywhere Visa	50
	Delta SkyMiles Platinum Business Travel accident insurance up to $100,000; trip delay reimbursement up to $300 per ticket; lost luggage insurance up to $1,250 for carry-on luggage and $500 for checked luggage per person	50
	Hilton Honors Aspire Amex Lost luggage insurance up to $3,000 per person for checked and carry-on baggage.	50
	Hilton Honors Surpass Amex Secondary insurance on your checked baggage.	50
	Marriott Bonvoy Boundless Lost luggage insurance up to $3,000 per person for checked and carry-on baggage and trip delay reimbursement up to $500 per ticket	50
	Marriott Bonvoy Brilliant Amex Lost luggage insurance up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage	50
	Southwest Performance Business Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; baggage delay insurance up to $100 per day for 3 days.	50
	Southwest Plus Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; baggage delay insurance up to $100 per day for 3 days	50
	Southwest Premier Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; baggage delay insurance up to $100 per day for 3 days	50
	Southwest Premier Business Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; baggage delay insurance up to $100 per day for 3 days.	50
	Southwest Priority Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; baggage delay insurance up to $100 per day for 3 days.	50