Best Credit Card For Travel Insurance Benefits

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

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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Amex Platinum

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.

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Chase Sapphire Reserve

Travel accident coverage up to $1,000,000. Lost luggage coverage up to $3,000 per person. Trip cancellation coverage up to $10,000 per person. Baggage delay coverage up to $100 per day for five days. Trip delay coverage up to $500 per ticket.

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Chase Sapphire Reserve Business

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Travel Credits

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Anniversary Date Bonus Points

No Foreign Transaction Fees

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 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.	100
	Chase Sapphire Reserve Travel accident coverage up to $1,000,000. Lost luggage coverage up to $3,000 per person. Trip cancellation coverage up to $10,000 per person. Baggage delay coverage up to $100 per day for five days. Trip delay coverage up to $500 per ticket.	100
	Chase Sapphire Reserve Business Travel accident coverage up to $1,000,000. Lost luggage coverage up to $3,000 per person. Trip cancellation coverage up to $10,000 per person. Baggage delay coverage up to $100 per day for five days. Trip delay coverage up to $500 per ticket.	100

Other Cards with Solid Value for Travel Insurance (=)

		Value
	Amazon Prime 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	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. Coverage is secondary.	100
	Amex 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	100
	Amex Business Platinum 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
	Atmos Rewards Summit Visa Infinite Travel Insurance: Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $3000 per person for lost luggage, $50 travel delay voucher, and $2500 for trip cancellation. Coverage is secondary.	100
	Bank of America 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.	100
	Bank of America Premium Rewards Elite Luggage delay, trip delay and trip cancellation insurance when travel is purchased with the card. Coverage up to $100 per day for luggage delay for 5 days, $500 for trip delay and $5000 per trip for trip cancellation. Coverage is secondary.	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. Coverage is secondary.	100
	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.	100
	Capital One VentureOne 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.	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 Freedom Flex Trip cancellation insurance up to $1,500 per person and $6,000 per trip.	100
	Chase Freedom Unlimited Trip cancellation insurance up to $1,500 per person and $6,000 per trip	100
	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.	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.	100
	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	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. Coverage is secondary.	100
	Citi Strata Elite Lost luggage, trip delay, trip cancellation insurance when travel is purchased with the card. Coverage up to $5000 per person, ($2000 – NY residents) for lost luggage, $500 for trip delay, and $5000 per trip for trip cancellation. Coverage is secondary.	100
	Citi Strata Premier	100
	Delta SkyMiles Platinum 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.	100
	Delta SkyMiles Reserve 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.	100
	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.	100
	IHG One Rewards 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	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.	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.	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.	100
	United Club 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.	100
	United Club 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.	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.	100
	World of Hyatt 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	100

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

		Value
	Amazon Business Prime Lost luggage insurance can be provided up to $1,250 for carry-on Baggage and up to $500 for checked Baggage.	100
	Amex Business Green Lost luggage insurance up to $3,000 per person and trip delay protection up to $300.	100
	Amex Gold Lost luggage insurance up to $3,000 per person and trip delay protection up to $300.	100
	Amex Green Lost luggage insurance up to $3,000 per person and trip delay protection up to $300.	100
	British Airways 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	100
	Capital One Spark 1.5x Miles Select 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.	100
	Capital One Venture Rewards 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	100
	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	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.	100
	Citi Costco Anywhere Visa	100
	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	100
	Hilton Honors Aspire Lost luggage insurance up to $3,000 per person for checked and carry-on baggage.	100
	Hilton Honors Surpass Secondary insurance on your checked baggage.	100
	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	100
	Marriott Bonvoy Brilliant 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	100
	Southwest Rapid Rewards 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.	100
	Southwest Rapid Rewards 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	100
	Southwest Rapid Rewards 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	100
	Southwest Rapid Rewards 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.	100
	Southwest Rapid Rewards 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.	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.	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.	100