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.

Card Details

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
	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. Coverage is secondary.	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 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
	Atmos Rewards Ascent Visa Signature Travel accident Insurance $1,000,000.	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
	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 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
	Bank of America Travel Rewards Travel accident Insurance $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. Coverage is secondary.	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 $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.	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. 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 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 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 Lost luggage, trip delay, and trip cancellation insurance when travel is purchased with the card. Coverage up to $500 per person for lost luggage, $300 for trip delay, and $10,000 per trip for trip cancellation.	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.	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 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.	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.	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 1.5x Cash Select Travel accident Insurance $250,000.	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 Spark 2% Cash 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 person for trip cancellation. Travel accident Insurance $250,000.	100
	Capital One Spark 2x Miles 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.	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
	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 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
	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 $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
	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 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
	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 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. Travel accident Insurance $500,000.	100
	Wyndham Rewards Earner Travel accident Insurance $500,000.	100
	Wyndham Rewards Earner Plus Travel accident Insurance $500,000.	100