Travel which is considered as a luxury can be easily turned into headache especially when you lose your baggage on your flight to your favorite spot. Fret not, as the best credit cards for travel insurance easily off set the headaches. Travel insurance can help you in reimburse money when things go wrong on your trip. Travel insurance is further categorized into three broader categories including the travel accident insurance, luggage insurance, eligibility cost, and extra coverage.
To know about the best credit cards that can easily reimburse money in case of lost luggage and canceled trips, you need to weigh the pros and cons of each card. The evaluation of the best credit cards for travel insurance is done on the basis of travel insurance and in general what kind of travel perks it offers. Without further ado, let’s jump straight to the details of each card.
Table of Contents
Quick Summary – 10 Best Credit Cards for Travel Insurance in 2024
- Chase Sapphire Reserve® – Best overall card for travel insurance
- Chase Sapphire Preferred® Card – Great mid-range card for travel insurance
- United Club Infinite℠ Card – Great airline card with travel insurance
- Capital One Venture X Rewards Credit Card – Best premium card for travel insurance
- Marriott Bonvoy Brilliant® American Express® Card – Great card for travel accidental coverage
- Marriott Bonvoy Boundless® Credit Card – Best mid-range card for travel insurance
- United℠ Explorer Card – Great airline travel card with travel insurance
- Delta SkyMiles® Gold American Express Card – Great card for reimbursement for lost luggage
- The Platinum Card from American Express– Viable option for trip cancellation coverage
- U.S Bank Altitude® Reserve Visa Infinite® Card – Best U.S Bank Card for travel insurance
Charting the 10 Best Credit Cards for Travel Insurance in 2024
| Credit Card | Annual Fee | Welcome Bonus | Greatest Travel Insurance Benefit |
| Chase Sapphire Reserve® | $550 | 60,000 points after spending $4,000 on purchases in the first 3 months from account opening. | Primary rental car loss and damage insurance, trip interruption/cancellation insurance, and baggage delay insurance. |
| Chase Sapphire Preferred® Card | $95 | 60,000 points after spending $4,000 on purchases in the first 3 months from account opening. | Trip interruption/cancellation insurance, baggage delay insurance, and lost luggage reimbursement. |
| United Club Infinite℠ Card | $525 | 75,000 miles after spending $5,000 on purchases in the first 3 months from account opening. | Trip interruption/cancellation insurance, baggage delay insurance, and lost luggage reimbursement. |
| Capital One Venture X Rewards Credit Card | $395 | 75,000 miles after spending $4,000 on purchases in the first 3 months from account opening. | Trip interruption/cancellation insurance, baggage delay insurance, and lost luggage reimbursement. |
| Marriott Bonvoy Brilliant® American Express® Card | $650 | 75,000 Marriott Bonvoy points after spending $3,000 on purchases in the first 3 months from account opening. | Travel accidental death and dismemberment insurance, trip interruption/cancellation insurance, and baggage delay insurance. |
| Marriott Bonvoy Boundless® Credit Card | $95 | 75,000 Marriott Bonvoy points after spending $3,000 on purchases in the first 3 months from account opening. | Trip interruption/cancellation insurance, baggage delay insurance, and lost luggage reimbursement. |
| United℠ Explorer Card | $95 | 50,000 miles after spending $3,000 on purchases in the first 3 months from account opening. | Trip interruption/cancellation insurance, baggage delay insurance, and lost luggage reimbursement. |
| Delta SkyMiles® Gold American Express Card | $99 | 70,000 miles after spending $2,000 on purchases in the first 3 months from account opening. | Baggage delay insurance and lost luggage reimbursement. |
| The Platinum Card® from American Express | $695 | 100,000 Membership Rewards® points after spending $6,000 on purchases in the first 6 months from account opening. | Trip cancellation/interruption insurance, baggage delay insurance, and lost luggage reimbursement. |
| U.S. Bank Altitude® Reserve Visa Infinite® Card | $400 | 50,000 points after spending $4,500 on purchases in the first 90 days from account opening. | Trip interruption/cancellation insurance, baggage delay insurance, and lost luggage reimbursement. |
1. Chase Sapphire Reserve®
| Welcome Bonus | 60,000 bonus points |
| Annual fee | $550 |
| Regular APR | 22.49%-29.49% |
| Credit score | Excellent (Ranging from 790-850) |
When it comes to the best credit cards for travel insurance, Chase Sapphire Reserve® gained the top spot. This card offers great points on both the travel and dining out category. Being the premium travel card, it offers $300 travel credit which justifies the high annual fee.
Card details for no #1 among the best credit cards for travel insurance
- For trip cancellation and interruption, it reimburse upto $10,000 per person and $20,000 per trip. The maximum benefit you can take is $40,000 in a duration of 12-months period.
- For the delay in trip which is more than six hours , through this card you get $500 per ticket for delays
- For delay in baggage you receive upto $100 as a compensation for a period of 5 days or more.
- In case of lost luggage, you are eligible for $3,000 per passenger
- For travel accident an amount of $1,000,000 will be reimbursed to you
- Through one of the best credit cards for travel insurance, you can get rental insurance of up to $75,000
| Pros | Cons |
| Offers great welcome bonus | Relatively high annual fees |
| Offers 50% more value when you redeem points for travel through Chase | High variable APR on all the purchases |
| Points can be easily transferred to valuable airline and hotel partners | |
| Offers $300 annual travel credit |
2. Chase Sapphire Preferred® Card
| Welcome Bonus | 60,000 bonus points |
| Annual fee | $95 |
| Regular APR | 21.49%-28.49% |
| Credit score | Good to Excellent (Ranging from 700-749) |
The Chase Sapphire Preferred® Card is among the best credit cards for travel insurance with multiple travel rewards on travel and dining purchases. The card is jam packed with tons of valuable features for the travelers that can easily offset its annual fee which is $95. With this card , card holders can easily redeem points at 1.25 cents for the travel that is booked through Chase.
Card details for no #2 among the best credit cards for travel insurance
- With this card you get a reimbursement of upto $10,000 per person and $20,000 per trip on trip cancelation and interruption. The maximum amount that can be reimbursed in a year is $40,000
- Being at the top spot of best credit cards for travel insurance, you can get up to $500 reimbursement on delays of more than 12 hours
- If your luggage is delayed by five days or more , you can get up to $100 per day.
- In case your luggage is lost during the flight, reimbursement of $3,000 is done to the passenger
- With one of the best credit cards for travel insurance, you get rental car insurance in actual cash value of the car
- In case of the travel accident, you get an amount up to $500,000
| Pros | Cons |
| Generous rewards across several areas of spending | No introductory APR offer |
| Travel points to travel partners are in ratio 1:1 | Best travel earning rates are limited to Chase only |
| Offers multiple travel and shopping protections |
3. United Club Infinite℠ Card
| Welcome Bonus | 80,000 bonus miles |
| Annual fee | $525 |
| Regular APR | 21.74%-28.74% |
| Credit score | Excellent (Ranging from 750-850) |
The only United card, United Club Infinite℠ Card that grants you complimentary United Club lounge membership. This card is the top-tier option that can earn you greater 4 miles per travel earnings on United purchases. Being one of the best credit cards for travel insurance it comes with a steep annual fee of $525 per year.
Card details for #3 among the best credit cards for travel insurance
Go with confidence while you travel , as being on the list of the best credit cards for travel insurance it offers the following travel protection benefits:
- For baggage delay insurance , an amount of $100 is reimbursed per day for the baggage delays of at least 3 days
- In case your carry on luggage is damaged or lost by the carrier , a total of $3000 is reimbursed to each passenger
- If any of the trip is delayed for 12 hours and requires an overnight stay , you will be reimbursed $5000 per ticket on meal and lodges purchases through the United Club Card
- If your trip is cancelled due to extreme weather conditions, you can be reimbursed a total amount of $10,000 per person for pre-paid , nonrefundable travel expenses made through the United card
- Being one of the viable options among the best credit cards for travel insurance, if you and any of your family member gets sick during the trip , you can be covered for medical and transportation services.
- When you pay for travel through United Club card, you are eligible to receive accidental death coverage of up to $50,000.
- As a part of the auto rental collision damage waiver, you get reimbursement of the actual cash value of the car for theft or car damage for most of the rental cards in the U.S.
| Pros | Cons |
| United Club membership rewards are worth more than the total annual fee | No introductory APR offer |
| No foreign transaction fees | Comes with a high annual fee |
| Priority and free luggage checking |
4. Capital One Venture X Rewards Credit Card
| Welcome Bonus | 75,000 bonus miles |
| Annual fee | $395 |
| Regular APR | 22.24%-29.24% |
| Credit score | Excellent (Ranging from 750-850) |
The Capital One Venture X Rewards Credit Card being in the list of best credit cards for travel insurance offer top-level perks for all the users. The top benefit is that you can gain unlimited Capital One Lounge access with up to $300 Capital One Credit on every anniversary that can be easily utilized by the frequent flyers .
Card details for #4 among the best credit cards for travel insurance
The Venture X card has got you covered in multiple scenarios that include travel coverage in multiple scenarios.
- This card comes with trip cancellation and interruption insurance which is up to $2000 for every single trip that is canceled due to emergencies or weather calamities. The non-refundable purchases made with the card that includes hotel , tours , flights are covered under this benefit.
- When you pay the full-fledge car rental with the Venture X card than this card will pay you the primary rental insurance of up to $75,000. This way you can save a huge chunk of money in case of collision or damage.
- Another useful benefit that you can get out of one of the best credit cards for travel insurance is that you get $500 for a flight that is delayed more than 6 hours. Although you are entitled to take one claim per trip.
| Pros | Cons |
| Annual perks that can cover the high cost of the annual fee | Lack of domestic line and other upscale hotel travel partners |
| Good for travelers that are seeking flexible rewards, boosted miles on everyday spending | Lacks hotel status benefits |
| Get greater rewards that are 5X or 10x miles on select Capital One Travel |
5. Marriott Bonvoy Brilliant® American Express® Card
| Welcome Bonus | 85,000 points |
| Annual fee | $ 650 |
| Regular APR | 20.99%-29.99% |
| Credit score | Good to Excellent (Ranging from 690-850) |
If you are looking for travel card with massive welcome offer and travel issurance , look no other than Marriott Bonvoy Brilliant® American Express® Card. Being one of the best credit cards for travel insurance, it provides all sorts of travel insurance , lounge access and more in its annual cost. Only if you are loyal to Marriott Bonvoy , the perks can offset the hefty annual cost.
Card details for #5 among the best credit cards for travel insurance
Being in the list of the best credit cards for travel insurance, it can earn you 85K bonus points with a spending cap of $6,000 on purchases in the first 6 months . Additionally , it will offer you the following travel insurance benefits :
- In case of lost luggage , it offers $2,000 reimbursement for checked bags and $3,000 for checked and carry-on bag . All the residents of New York will get $2,000 per bag and a maximum amount of $10,000 per trip
- Being one of the best credit cards for travel insurance , in case of unprecedented situation it offers travel accident insurance of up to $500,000
- For trip cancellation and interruption, you get up to $10,000 per trip. But the maximum benefit you can take per year is $20,000
- For trip delay insurance , you get up to $500 per trip and the maximum benefit is almost $1,000 in a duration of 12 months
- With Marriott Bonvoy Brilliant® American Express® Card you are eligible for the rental car insurance of up to $75,000
| Pros | Cons |
| Get greater rewards such as free night award every year | APR rate might be high and is dependent on your credit worthiness |
| Get complimentary Bonvoy Platinum Elite Status | No introductory APR offer |
| Greater earning rates at Marriott hotels |
Best Airline Credit Cards to Win Awards in 2024
If you are seeking travel cards with luxury perks than have a look at airline credit cards for greater rewards. With these cards in your wallet, you’ll be racking up rewards and enjoying exclusive benefits in no time.
6. Marriott Bonvoy Boundless® Credit Card
| Welcome Bonus | 50,000 bonus points |
| Annual fee | $ 95 |
| Regular APR | 21.49%-28.49% |
| Credit score | Good to Excellent (Ranging from 670-850) |
Although majority of the options in the list of the travel cards are pricey but the Marriott Bonvoy Boundless® Credit Card carries a mediocre annual fee of $95. Being one of the best credit cards for travel insurance, it gets you more value along with automatic Silver elite status . On each card member anniversary , you will receive an annual free night certificate. Those who could make use of the certificate in the right wa can benefit it more than the total annual fee.
Card details for #6 among the best credit cards for travel insurance
For traveler who prefer to stay in elite hotels , Marriott Bonvoy Boundless® Credit Card is worth every penny as it offers the following travel perks
- With this card you get a reimbursement of $100 per day for consecutive five days for essential purchases like toiletries , clothing and more for a delay of more than 6 hours
- In case of lost luggage, you get up to $3,000 per person for carry on and other checked luggage
- Being one of the best credit cards for travel insurance, it also offers $3,000 per passenger for damaged luggage that is either a carry on or checked luggage
- For trip delay you get up to $500 on each ticket for delays more than 12 hours
| Pros | Cons |
| Offers you annual free night certificate on cardholder anniversary | Better travel insurance cards if you look for cards with high-tier status |
| Automatic silver elite elite status with pathway to Gold | Specified perk card for all the Marriott properties |
| Greater earning rates at Marriott hotels |
7. United℠ Explorer Card
| Welcome Bonus | 50,000 bonus miles |
| Annual fee | $0 for first year and $95 for the next years |
| Regular APR | 21.49%-28.49% |
| Credit score | Good to Excellent (Ranging from 670-850) |
Being the top choice for all the United Flyers, the benefits of this card outweigh the total annual fee. If you are the one that spend extravagantly on hotel and dining then this card can earn you 2 miles per dollar.
This card is geared towards all those who want to experience the elite benefits like free checked bags , priority boarding and much more. Being ibn the list of best credit cards for travel insurance, it racks up the travel miles at a steady pace for a variety of travel purchases.
Card details for #7 among the best credit cards for travel insurance
The solid ongoing rewards sets off the annual fees for the United flyers. Being one of the elite option with low annual cost among the best credit cards for travel insurance, it offers the following benefits:
- The total reimbursement in case of trip cancellation and interruption is $6,000 per trip
- In case the trip is delayed due to some medical ,weather issues by more than 12 hours , you get up to $500 on each ticket
- As per the card policy, you are eligible for $100 per day for 3 days in case your luggage is delayed]
- Being one of the good option for travelers, it also offers $3,000 per passenger for lost luggage
- This card offers travel accident insurance that is up to the amount of $500,000
- United℠ Explorer Card also covers the damage or theft of the car as per their rental car insurance policy
| Pros | Cons |
| Offers elite travel perks such as first checked bags for you and your companion | Other United cards with high annual fee have high earning rate |
| Offer priority boarding to all the card members | Points are not transferable so are not of greater use |
| Get up to $100 credit every four year for Global Entry or TSA PreCheck |
8. Delta SkyMiles® Gold American Express Card
| Welcome Bonus | 40,000 bonus miles |
| Annual fee | $0 for first year and $ 99 for the next years |
| Regular APR | 20.99%-29.99% |
| Credit score | Good to Excellent (Ranging from 670-850) |
No matter whether you are travelling internationally or with in U.s , the Delta SkyMiles® Gold American Express Card had got you covered. This card being in the list of best credit cards for travel insurance include all the travel perks and few insurance benefits for travel booked using this card.
The terms to apply for this card are not so stringent, so any one who travel frequently can avail the travel insurance benefits this card offers. Although the insurance does not include reimbursement for the canceled and delayed trips but includes all other baggage lost and delayed benefits.
Card details for #8 among the best credit cards for travel insurance
- This card comes with car rental coverage but the essential condition is that the cardholders must use this card to pay for the entire rental and have fully agreed to the rental agreement. For damage or theft of the vehicle , it covers the cost up to $50,000
- Being in the list of the best credit cards for travel insurance, it offer baggage protection that includes loss , stolen or delayed baggage. This baggage protection provides reimbursement of $1,250 per person and up to $250 for the other high risk item that includes jewelry, sports equipment and other important stuff
- When you are traveling more than 100 miles for the U.S , you can use Global Assist hotline for emergency purposes as long as you have the Delta SkyMiles® Gold American Express Card. Not for only, this card offers few services that are free in this case
| Pros | Cons |
| Elevated travel rewards and benefits like free checked bags | Hard to earn Medallion status with this card |
| Rewards don’t expire | Requires good to excellent credit score |
| Offers priority boarding |
9. The Platinum Card from American Express
| Welcome Bonus | 80,000 bonus miles |
| Annual fee | $695 |
| Regular APR | 21.24%-29.24% |
| Credit score | Good to Excellent (Ranging from 670-850) |
No other card in the list of the travel cards offer greater perks as this card. If you travel frequently and want to have the luxurious perks then this card deserves a special place in your wallet. The annual fees may seem hefty but the perks are worth it . For all those who prefer to fly in luxurious style , the annual fee of $695 is justified.
Card details for #9 among the best credit cards for travel insurance
- With this card you get a total reimbursement of $10,000 per trip in case trip cancellation and interruption. The maximum benefit you can get in the duration of a year is $20,000
- In case your luggage is lost during your travel journey , you get a reimbursement of $3,000 per passenger
- The Platinum Card from American Express gives you a total of $500,000 as travel accident insurance
- Last but not the least, being in the list of the best credit cards for travel insurance, it also provides rental car insurance in case of damage or theft of the car that is usually upto $75,000
| Pros | Cons |
| Comprehensive airport lounge access | Very high annual fee |
| Luxury travel benefits and elite status with Hilton and Marriott | Requires good to excellent credit score |
| Offers priority boarding |
10. U.S Bank Altitude® Reserve Visa Infinite® Card
| Welcome Bonus | 50,000 bonus points |
| Annual fee | $400 |
| Regular APR | 22.24%-29.24% |
| Credit score | Excellent (Ranging from 720-850) |
The premium price of the card offers plush perks for users to enjoy . It offers 50% more bang for buck when the points are redeemed for travel. The U.S Bank Altitude® Reserve Visa Infinite® Card with its strong travel benefits compelled this one in the list of best credit cards for travel insurance. The only downside of the card is that it provides lack of travel transfer partners.
In brief, the ultra-high earning rate on rental cards and prepaid hotels makes this card a viable choice for road trippers.
Card details for #10 among the best credit cards for travel insurance
This card although last in the list of the best credit cards for travel insurance comes with various travel perks that include the following :
- In case of trip cancellation and interruption , you get a reimbursement of up to $2,000 per person for prepaid , non- refundable travel expenses.
- For trip delay insurance, it provides coverage of meals and lodging that is total of $500 per ticket in case your trip is delayed for more than a duration of 6 hours or requires a overnight stay
- Being the best credit cards for travel insurance, it can get you up to $3,000 per person as a lost luggage reimbursement
- As a part of rental car insurance, it provides up to $75,000 for damaged or theft cars
- It provides an accident travel insurance of up to $50,000 for accidental death
- This card also provides emergency evacuation and transportation benefit that is up to the amount of $10,000
| Pros | Cons |
| 50% bonus points when redeeming for travel | No points transfer option available |
| Gives you up to $325 in annual credit | Free lounge access limited to 4 visits per year |
| No limits on the earning of points |
Frequently Asked Questions
Does travel insurance comes with credit cards ?
Yes, there are plenty of card that offer travel insurance that include trip cancellation, trip interruption , baggage lost, car rental loss and all other sorts of damage insurance. If you are looking for a travel card that offers travel insurance, look through the details of best credit cards for travel insurance.
How much does travel insurance cost?
On average for travel insurance travelers are expected to pay almost 6.87% of the overall trip cost. The minimum yield you might expect it can be 4.15% but it can also go as high to a percentage of 15.8.
How does travel insurance work for credit cards?
Travel insurance credit carders are the plus point for frequent travelers and they come in various forms. Car issuers have different requirements to qualify for a travel insurance policy. In case of uncertainty during traveling, the card issuer requires a cardholder to submit a claim to the card issuer.
