These credit cards have the best travel insurance built in

Currently, travel is messed up. There are so many problems that you may get stuck overnight somewhere or your luggage may be delayed on your next trip. Of course, you can always buy comprehensive travel insurance to cover any additional costs you may incur, but many credit cards have some built-in coverage. It may be enough to save on the cost of a dedicated policy. Here are some of the best cards that come with travel insurance.

Chase Sapphire Reserve: The Most Comprehensive Travel Insurance

Chase Sapphire Reserve has the most comprehensive travel insurance on the market for credit cards, but with an annual membership fee of $ 550. The travel insurance benefits included are:

• Exemption from damages from a primary car rental collision: up to $ 75,000 coverage
• trip-Refund Delay: Up to $ 500 per eligible passenger if travel is delayed by more than 6 hours
• Cancellation / Suspension of Travel: Up to $ 10,000 per Eligible Passenger ($ 20,000 per Eligible Travel)

• Baggage Delay Coverage: Up to 5 days per eligible passenger and up to $ 100 per day if baggage is delayed by at least 6 hours
• Refund of Lost Luggage: Up to $ 3,000 per Eligible Passenger
• Roadside assistance: up to $ 50 per incident, up to 4 times a year
• Emergency evacuation: up to $ 100,000
• Emergency medicine and dentistry: up to $ 2,500
• Travel Accident Insurance: Up to $ 1,000,000 for travel accident insurance for general carriers and up to $ 100,000 for 24-hour travel accident insurance

For high card annual fees, cardholders are automatically applied to the Global Entry or TSA PreCheck application fee, Priority Pass Select Lounge membership, and the first $ 300 of travel purchases for a $ 300 year. You will also receive up to $ 100 to cover your credit. ..

This card is 10 points per $ 1 for hotels and rentals booked with Chase Travel, 5 points per $ 1 for flights booked with Chase Travel, 3 points per $ 1 for all other travel and meal purchases, per $ 1. Earn 1 point. With all other purchases. Points can be redeemed for 1.5 cents each through Chase Travel and can be transferred to Chase’s travel partners in a 1: 1 ratio at the time of eligible purchases through Pay Yourself Back.

Chase Sapphire Preferred: The most comprehensive travel insurance with an annual fee of less than $ 100

Travel insurance offered through Chase Sapphire Preferred is similar to that offered through Reserve, with an annual card fee of only $ 95. The advantages are:

• Primary car rental collision damage exemption
• trip-Refund Delay: Up to $ 500 per eligible passenger if travel is delayed by more than 12 hours
• Travel Cancellation / Suspension: Up to $ 5,000 per eligible passenger (up to $ 2) (up to $ 20,000 for 12 months)
• Baggage Delay Coverage: Up to 5 days per eligible passenger and up to $ 100 per day if baggage is delayed for at least 12 hours
• Refund of Lost Luggage: Up to $ 3,000 per Eligible Passenger
• Travel Accident Insurance: Up to $ 500,000 for travel accident insurance for general carriers and up to $ 100,000 for 24-hour travel accident insurance

Chase Sapphire Preferred also offers a 10% annual bonus on points earned and a $ 50 annual credit that can be used to book a hotel through Chase Travel.

This card is 5 points per $ 1 for travel booked through Chase Travel, 3 points per $ 1 for meals, online groceries, streaming purchases, 2 points per $ 1 for all other travel purchases, and everything else. Earn 1 point per $ 1 for your purchase. ..

Ultimate Rewards points associated with Chase Sapphire Preferred can also be transferred to Chase partners in a 1: 1 ratio, but can be redeemed for as low as 1.25 cents each through Chase Travel or Pay Yourself Back.

Other credit cards with travel insurance

Number of Other credit cards offer good travel insuranceHowever, you need to delve into the fine print of the various cards to make sure there are no pitfalls. Other notable cards are:

Capital One Venture X

Capital One Venture X has the following travel benefits:

• Primary car rental collision damage exemption
• trip-Refund Delay: Up to $ 500 per eligible passenger if travel is delayed by more than 6 hours
• Travel Cancellation / Suspension: Up to $ 2,000 per Eligible Passenger
• Refund of Lost Luggage: Up to $ 3,000 per Eligible Passenger
• Travel Accident Insurance: Up to $ 1,000,000 coverage

Capital One Venture X also offers mobile insurance coverage, Priority Pass Select Lounge membership, $ 300 annual travel credit, 10,000 bonus miles annual, up to $ 100 TSA PreCheck or Global Entry Application fee credit, and Capital. Earn valuable points available through. Transfer to One Travel or Capital One Travel Partner.

Venture X earns 10 miles per $ 1 for hotels and car rentals booked through Capital One Travel, 5 miles per $ 1 for flights booked through Capital One Travel, and 2 miles per $ 1 for all other purchases. .. The card charges an annual fee of $ 395.

US Bank Advanced Reserve

US Bank Altitude Reserve offers the following travel protections:

• Primary car rental collision damage exemption
• trip-Refund Delay: Up to $ 500 per eligible passenger if travel is delayed by more than 6 hours
• Travel Cancellation / Suspension: Up to $ 2,000 per Eligible Passenger
• Refund of Lost Luggage: Up to $ 3,000 per Eligible Passenger
• Travel Accident Insurance: Up to $ 500,000 Compensation

The card offers $ 325 travel credits each year, access to the Priority Pass lounge, TSA PreCheck or Global Entry application fee credits, and earns points that can be redeemed for 1.5 cents each on a trip.

Altitude Reserve earns 5 points per $ 1 for prepaid hotels and car rentals booked through the Altitude Rewards Center, 3 points per $ 1 for travel and mobile wallet purchases, and 1 point per $ 1 for other purchases. The card has an annual membership fee of $ 400.

American Express Platinum Card

Platinum cards offer more generous travel insurance benefits than any other card on the market, but some are lacking.

• Exemption from damages caused by a secondary car rental collision (cardholders have the option of paying an additional $ 12.25 to $ 24.95 for the increased primary compensation)
• trip-Refund Delay: Up to $ 500 per eligible passenger if travel is delayed by more than 6 hours
• Cancellation / Suspension of Travel: Up to $ 10,000 per trip ($ 20,000 per 12-month period)
• Refund of Lost Baggage: Up to $ 3,000 per eligible passenger for carry-on baggage, up to $ 2,000 per eligible passenger for checked baggage, for a total of $ 3,000 per person per trip There are restrictions
• Emergency evacuation: No cost limit

American Express Platinum Cards are packed with many additional perks, but with an annual membership fee of $ 695, they are one of the most expensive personal credit cards on the market. Up to $ 240 / year for Digital Entertainment Credits, Up to $ 200 for Airline Charges, Up to $ 200 Uber Cash Credits, Up to $ 300 Equinox Credits, Up to $ 100 Saks Fifth Avenue Credits, Up to $ 189 Credits Offers. For CLEAR, up to $ 155 for Walmart + credits and access to Priority Pass lounges, Amex Centurion lounges and Delta Sky Club for same-day Delta flights.

This card is 5 points per dollar for membership reward points (purchases up to $ 500,000 per calendar year) for flights booked directly through airlines or American Express Travel, and 5 points per dollar for hotels booked through Amex Travel. , Earn 1 point per dollar. Spent on all other purchases. Membership Rewards points can be transferred to various airlines and hotel partners at a 1: 1 rate.

No annual membership card with limited travel insurance

All of the best credit cards that offer travel insurance charge an annual fee, but there are some free annual fees that offer limited coverage. For example, Chase Freedom Flex offers the following features:

• Exemption from damage caused by a secondary car rental collision: Secondary means that you must claim your personal car insurance before credit card insurance begins.
• Travel Cancellation / Suspension: Up to $ 1,500 per passenger ($ 6,000 per trip)

Chase Freedom Flex Mobile phone insurance coverage..

Conclusion

Credit card travel insurance is a great perk, and as a rule, all you need to do is charge your card for your travel expenses (if your credit card provides bonus points for your trip). It should be even easier). Look at your credit card where you need to check if you already have travel insurance. If not, or if you don’t have enough coverage, consider whether another credit card will work.