Best for: Premium Travel Perks

The Platinum Card® from American Express offers comprehensive travel insurance benefits, including:

• Trip Cancellation/Interruption Insurance: Up to $10,000 per trip and $20,000 per eligible card per 12 consecutive months.
• Trip Delay Insurance: Up to $500 per trip for delays over six hours.
• Baggage Insurance Plan: Coverage for lost, damaged, or stolen baggage, including up to $3,000 for checked baggage.
• Premium Global Assist Hotline: 24/7 emergency assistance, including medical, legal, and financial services.

Amex Platinum cardholders also enjoy extensive airport lounge access, elite status with hotel loyalty programs, and other luxury travel perks (see rates & fees).

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Best For: Travel Insurance

The Capital One Venture X Rewards Credit Card is a premium travel rewards card that offers an array of travel insurance benefits that provide peace of mind:

• Trip Cancellation/Interruption Insurance: Up to $2,000 per insured traveler for non-refundable travel expenses, including airfare, hotels, and tours.
• Trip Delay Insurance: Up to $500 per covered trip for expenses like meals and lodging if your trip is delayed by more than six hours.
• Lost Luggage Reimbursement: Up to $3,000 per trip for lost, stolen, or damaged luggage.
• Baggage Delay Insurance: Up to $100 per day for three days for essential items if your checked baggage is delayed by more than six hours.
• Travel Accident Insurance: Up to $1,000,000 for accidental death or dismemberment during common carrier travel.

These protections, combined with its generous rewards structure and additional travel perks, make the Capital One Venture X a top-tier travel rewards card (see rates & fees).

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Best for: Travel and Dining Rewards

The Chase Sapphire Reserve® continues to be a favorite among travelers due to its extensive travel insurance benefits, including:

• Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip for prepaid, non-refundable travel expenses.
• Primary Auto Rental Collision Damage Waiver: Covers theft and collision damage for most rental cars.
• Travel Accident Insurance: Up to $1,000,000 for common carrier accidents.
• Trip Delay Reimbursement: Up to $500 per ticket for delays over six hours or requiring an overnight stay.
• Baggage Delay Insurance: Up to $100 per day for five days for essential purchases when baggage is delayed over six hours.

These benefits, combined with the card's premium travel rewards and perks, make it a top choice for travelers looking for robust insurance coverage.

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Best for: Small Businesses

The Ink Business Preferred® Credit Card from Chase is a top choice for business owners who travel frequently, offering valuable travel protections:

• Trip Cancellation/Interruption Insurance: Up to $5,000 per trip and $10,000 per 12-month period for prepaid, non-refundable travel expenses such as airfare, hotels, and tours.
• Trip Delay Reimbursement: Up to $500 per ticket for expenses like meals and lodging if your trip is delayed by more than 12 hours or requires an overnight stay.
• Primary Auto Rental Collision Damage Waiver: Covers theft and collision damage for most rental cars.
• Travel Accident Insurance: Up to $500,000 for accidental death or dismemberment during common carrier travel.
• Trip Delay Reimbursement: Up to $500 per ticket for delays over six hours or requiring an overnight stay.
• Baggage Delay Insurance: Up to $100 per day for five days for essential items if your checked baggage is delayed by more than six hours.
• Lost Baggage Insurance: Up to $3,000 per person for lost, stolen, or damaged luggage.

The Ink Business Preferred® Credit Card is an excellent choice for business owners who travel frequently and seek comprehensive travel insurance benefits at a low annual fee of $95.

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Best for: United Loyalists

For those who frequently fly with United Airlines, the United Club℠ Infinite Card offers strong travel insurance benefits:

• Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip.
• Auto Rental Collision Damage Waiver: Primary coverage for theft and collision damage.
• Baggage Delay Insurance: Up to $100 per day for three days for essential purchases.
• Trip Delay Reimbursement: Up to $500 per ticket for delays over 12 hours.

Additionally, cardholders enjoy a United Club membership, free checked bags, and priority boarding.

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Comparing the Best Credit Cards with Travel Insurance

When comparing travel protections among the Chase Sapphire Preferred, Platinum American Express, and Capital One Venture X, distinct differences emerge. The Chase Sapphire Preferred offers up to $10,000 per person for trip cancellations and interruptions, $500 per ticket for trip delays over 12 hours, and up to $3,000 for lost luggage​. The Platinum American Express provides similar coverage with up to $10,000 for trip cancellations, $500 for delays over six hours, and up to $3,000 for lost baggage, along with extensive emergency assistance services. The Capital One Venture X features up to $2,000 for trip cancellations, $500 for trip delays over six hours, and up to $3,000 for lost luggage, along with primary auto rental collision damage waiver, adding significant value for frequent travelers​. Each card offers comprehensive travel insurance, but the specific benefits and conditions vary, making it important to choose based on individual travel needs and preferences.

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Conclusion

Selecting a credit card with strong travel insurance benefits can save you from significant financial losses and provide peace of mind during your travels. The cards listed above offer some of the best travel insurance coverage in 2024, making them excellent choices for anyone looking to enhance their travel protection. When choosing a card, consider your travel habits, the type of coverage you need, and the overall value of the card's rewards and perks.