These credit cards have the best built-in travel insurance

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Traveling is a mess right now, and with so many things going wrong, it’s entirely possible you’re stuck somewhere overnight or your luggage is delayed on an upcoming trip. Of course, you can always take out comprehensive travel insurance to cover any additional costs you may incur, but many credit cards have some level of built-in coverage. It may be enough that you can save yourself the cost of a dedicated policy. Here are some of the best cards that come with travel insurance.

Chase Sapphire Reserve: Most Comprehensive Travel Coverage

The Chase Sapphire Reserve has the most comprehensive travel insurance of any credit card on the market — but it costs you an annual fee of $550. The included services of the travel insurance include:

  • Primary Collision Damage Waiver for Rental Cars: Up to $75,000 coverage
  • Trip-Delay Reimbursement: Up to $500 per insured passenger if your trip is delayed by six hours or more
  • Trip cancellation/interruption: Up to $10,000 per insured passenger ($20,000 per insured trip)
  • Baggage Delay: Up to $100 per day for up to five days per insured passenger if your baggage is delayed at least six hours
  • Lost Baggage Reimbursement: Up to USD 3,000 per insured passenger
  • Roadside Assistance: Up to $50 per incident, up to four times per year
  • Emergency Evacuation: Up to $100,000
  • Medical and Dental Emergencies: Up to $2,500
  • Travel Accident Insurance: Up to $1,000,000 for shared airline travel accident insurance or $100,000 for 24-hour travel accident insurance

For the card’s high annual fee, cardholders also get up to $100 to cover the Global Entry or TSA PreCheck application fee, a Priority Pass Select Lounge membership, and a $300 annual credit automatically applied to the first $300 dollars toward travel purchases made.

The card earns 10 Ultimate Rewards points per dollar spent on hotels and rental cars booked through Chase Travel, five points per dollar spent on flights booked through Chase Travel, three points per dollar spent on all other travel and restaurant purchases and one point per dollar on all other purchases. Points can be redeemed for 1.5 cents each through Chase Travel, through Pay Yourself Back on qualifying purchases, or transferred 1:1 to Chase’s travel partners.

Chase Sapphire Preferred: Most comprehensive travel protection with an annual fee under $100

The travel insurance offered by Chase Sapphire Preferred is almost as good as Reserve’s, and the card only has a $95 annual fee. Benefits include:

  • Primary car rental comprehensive insurance
  • Trip-Delay Reimbursement: Up to $500 per insured passenger if your trip is delayed by 12 hours or more
  • Trip cancellation/interruption: Up to USD 5,000 per insured passenger (maximum two) (maximum USD 20,000 per 12 month period)
  • Baggage Delay: Up to $100 per day for up to five days per insured passenger if your baggage is delayed 12 hours or more
  • Lost Baggage Reimbursement: Up to USD 3,000 per insured passenger
  • Travel Accident Insurance: Up to $500,000 for shared airline travel accident insurance or $100,000 for 24-hour travel accident insurance

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

This card earns five Ultimate Rewards points per dollar spent on travel booked through Chase Travel, three points per dollar spent on dining, online groceries and streaming purchases, two points per dollar spent on all other travel purchases, and 1 point per dollar spent Dollars for all other purchases.

Ultimate Rewards points associated with Chase Sapphire Preferred are also transferable 1:1 to Chase partners, but are redeemable through Chase Travel or Pay Yourself Back for a reduced value of 1.25 cents each.

Other credit cards with good travel insurance

A number of Other credit cards offer good travel insurancebut you’ll have to sift through the fine print on various cards to make sure there aren’t any pitfalls. Other notable cards are:

Capital One Venture X

Capital One Venture X offers the following travel benefits:

  • Primary car rental comprehensive insurance
  • Trip-Delay Reimbursement: Up to $500 per insured passenger if your trip is delayed by six hours or more
  • Trip Cancellation/Interruption: Up to USD 2,000 per insured passenger
  • Lost Baggage Reimbursement: Up to USD 3,000 per insured passenger
  • Travel Accident Insurance: Up to $1,000,000 coverage

The Capital One Venture X also offers cell phone insurance coverage, a Priority Pass Select Lounge membership, $300 annual travel credit, 10,000 annual bonus miles, up to $100 in TSA PreCheck or Global Entry application fee credits, and earns valuable points redeemable through Capital One Travel or to travel partners of Capital One.

The Venture X earns 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, five miles per dollar spent on flights booked through Capital One Travel, and two miles per dollar spent on all other purchases. The card has an annual fee of $395.

US Bank Altitude Reserve

US Bank Altitude Reserve offers the following travel protection:

  • Primary car rental comprehensive insurance
  • Trip-Delay Reimbursement: Up to $500 per insured passenger if your trip is delayed by six hours or more
  • Trip Cancellation/Interruption: Up to USD 2,000 per insured passenger
  • Lost Baggage Reimbursement: Up to USD 3,000 per insured passenger
  • Travel Accident Insurance: Up to $500,000 coverage

The card also offers $325 in travel credit each year, Priority Pass lounge access, TSA PreCheck or Global Entry application fee credit, and earning points redeemable for travel for 1.5 cents each.

The Altitude Reserve earns five points per dollar spent on prepaid hotels and rental cars booked through the Altitude Rewards Center, three points per dollar spent on travel and purchases made through mobile wallets, and one point per dollar spent , which is spent on other purchases. The card has an annual fee of $400.

The American Express Platinum Card

The Platinum Card offers some travel insurance benefits that are more generous than other cards on the market, but some that are missing:

  • Secondary Rental Collision Damage Waiver (Cardholders have the option to pay an additional fee of $12.25-$24.95 for primary coverage with increased limits)
  • Trip-Delay Reimbursement: Up to $500 per insured passenger if your trip is delayed by six hours or more
  • Trip Cancellation/Interruption: Up to $10,000 per trip ($20,000 per 12 month period)
  • Lost Baggage Reimbursement: Up to $3,000 per insured passenger for carry-on baggage or $2,000 per insured passenger for checked baggage with a combined limit of $3,000 per person per trip
  • Emergency evacuation: No upper cost limit

American Express’ Platinum Card has a ton of extra perks, but with an annual fee of $695, it’s one of the most expensive personal credit cards out there. It offers up to $240 in digital entertainment credits annually, up to $200 in airline incidental credits, up to $200 in Uber Cash credits, up to $300 in Equinox credits, up to up to $100 in Saks Fifth Avenue credit, up to $189 in CLEAR credit, up to $155 in Walmart+ credit, and access to Priority Pass Lounges, Amex Centurion Lounges, and Delta SkyClubs when you book on the same day fly with Delta.

The card earns five Membership Rewards points per dollar spent on flights booked directly with the airline or through American Express Travel (up to $500,000 in purchases per calendar year), five points per dollar spent on hotels booked through Amex Travel and one point per dollar spent on all other purchases. Membership Rewards points can be transferred 1:1 to various airline and hotel partners.

No annual fee cards with limited travel insurance

While all of the top credit cards that offer travel insurance charge an annual fee, there are some cards with no annual fee that offer limited coverage. For example, the Chase Freedom Flex offers:

  • Secondary Rental for Collision Damage: Secondary means you must make a claim with your personal car insurance before the credit card insurance comes into effect
  • Trip cancellation/interruption: Up to $1,500 per passenger ($6,000 per trip)

The Chase Freedom Flex also includes cell phone insurance coverage.

bottom line

Travel insurance through a credit card is an amazing perk, and typically all you have to do is charge your travel expenses to the card (which should be even easier if your credit card offers bonus points for travel). Look at the credit cards you already have to see if built-in travel insurance is offered. If it doesn’t, or you don’t have enough coverage, consider whether another credit card might suffice.