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The Best Credit Cards with Travel Insurance (2024)
December 11, 2024
Travel insurance is a crucial feature for frequent travelers, offering peace of mind and financial protection against unexpected events like trip cancellations, medical emergencies, and lost luggage. By choosing and using a credit card with strong travel insurance features, you're taking a simple yet effective step to protect yourself financially against common travel setbacks. This strategy can save you money and hassle in the long run. Here are the credit cards that stand out for their comprehensive travel insurance benefits in 2024.
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Best for: Extensive Travel Benefits
The Chase Sapphire Preferred® Card stands out as an excellent choice for those new to travel rewards credit cards. It is highly regarded for its travel rewards and insurance benefits, offering robust protection for travelers.
- Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip for prepaid, non-refundable travel expenses such as airfare, hotels, and tours.
- Trip Delay Insurance: 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.
- 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 Luggage Insurance: Up to $3,000 per passenger for lost, stolen, or damaged luggage.
- 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.
- Premium Global Assist Hotline: 24/7 emergency assistance, including medical, legal, and financial services.
- The Chase Sapphire Preferred is an excellent choice for travelers looking for comprehensive travel insurance benefits and a solid rewards program, all for a reasonable annual fee of $95 per year.
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- [[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Extensive Travel Benefits", "headerHint": "Travel in Tranquility"} ]]
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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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- [[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Premium Travel Perks", "headerHint": "Elevate Your Travel"} ]]
- 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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- [[ SINGLE_CARD * {"id": "2888", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Travel Insurance", "headerHint": "Peace of Mind"} ]]
Best for: Travel and Dining Rewards
The [Chase Sapphire Reserve®] (https://www.joinkudos.com/card-offer?cardId=510&trackingContext=BLOG)continuescontinues) 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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- [[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Best for Travel and Dining Rewards", "headerHint": "Complete Travel Security"} ]]
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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- [[ SINGLE_CARD * {"id": "1100", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Best for travel and dining spending", "headerHint": "All Around Travel Protection"} ]]
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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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- [[ SINGLE_CARD * {"id": "2410", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Best for United Loyalists", "headerHint": "Travel Protection and Lounge Access"} ]]
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.
[[ COMPARE_CARD * {"ids": ["509", "106", "2888"], "bestCategoryIds": ["17", "18", "19"], "bestForTexts": ["Extensive Travel Benefits", "Premium Travel Perks", "Travel Insurance"]} ]]
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.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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