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Credit Cards with Travel Insurance for February 2020

Credit Cards with Travel Insurance for February 2020

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Feb 01, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

You just found out your flight is delayed until tomorrow, and now you have to make hotel accommodations and food arrangements last minute. Or you have a medical emergency where you need to get medical help quickly. Before you cover those expenses out of pocket, take a look at your credit card terms. Select credit cards today offer special travel perks that include travel insurance for when your plans go awry.

When you use these cards to book your travel arrangements, you may be able to benefit from various travel insurances that can come in handy if your flight is delayed, if you need to cancel a trip or if your luggage is lost.

Read Flight Delayed or Canceled? Here’s What You Need to Do

Below, we list credit cards that offer a variety of travel insurances and the types of protection you can typically expect. Keep in mind the offerings differ by credit card, so be sure to read the terms and conditions of your card carefully so you’re aware of the specific benefits you receive.

Trip cancellation / trip interruption insurance

There are cases where an unexpected event may occur that forces you to cancel your trip or cut it short. Unfortunately, not everyone takes out travel insurance or purchases refundable trips, so the cost for cancelling or ending a trip early can be quite high. Cards that offer trip cancellation or trip interruption insurance may provide coverage if you need to cancel your trip due to sickness, severe weather or other eligible situations. Note, there are either quarterly or yearly maximums on how much coverage you may receive per trip. Be sure to check your cards terms & conditions for full details.

Cards to consider:

  • Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

  • Earn 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.

  • Global Entry or TSA Pre✓ Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card

Highlights
  • Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
  • Earn 25 points total per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

See additional details for IHG® Rewards Club Premier Credit Card

More Info

  • Earn 80,000 bonus points

  • Earn 3 points per $1 in select business categories

  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards

Highlights
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

See additional details for Ink Business Preferred℠ Credit Card

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  • 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.

  • 2 points for every $1 spent on travel and dining purchases, 1.5 points per $1 spent on all other purchases

  • Get up to $200 in combined airline incidental and airport expedited screening statement credits

Highlights
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee

See additional details for Bank of America® Premium Rewards® Visa® credit card

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  • 60,000 bonus points

  • 2X points on travel and dining

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

See additional details for Chase Sapphire Preferred® Card

More Info

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.

  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

See additional details for Chase Sapphire Reserve®

More Info

Trip delay insurance

If your flight is significantly delayed, you often have to make arrangements like booking a hotel and planning additional meals. These added expenses are unexpected and can tally up to hundreds of dollars that you may not be prepared to spend. That’s where credit cards with trip delay insurance may come in handy. These cards typically offer reimbursement for lodging and meals up to a certain dollar amount per common carrier ticket such as an airplane or train ticket when your trip is delayed a set amount of hours.

Cards to consider:

Travel accident insurance

While it’s hard to think about, when you travel anything can happen, such as an unfortunate accident that seriously hurts you or an immediate family member. By purchasing a trip with a card offering travel accident insurance, you may be covered for certain accidents, and they may include accidental death or dismemberment while on a common carrier or during your trip. Note, coverage is limited to a certain dollar amount.

Cards to consider:

  • 1.25 Miles per dollar on every purchase, every day

  • 0% intro on purchases for 12 months

  • 14.49% - 24.49% (Variable)

Highlights
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 15+ leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.49% - 24.49% variable APR after that

See additional details for Capital One® VentureOne® Rewards Credit Card

More Info

  • One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel

  • 2 Miles per dollar on every purchase, every day

  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 15+ leading travel loyalty programs
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

More Info

  • Unlimited 2x miles per dollar

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

  • Redeem miles with any airline and any hotel

Highlights
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

See additional details for Capital One® Spark® Miles for Business

More Info

  • 1.5 Miles per $1 on every purchase

  • One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening

  • Redeem miles with any airlines and any hotel

Highlights
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • No annual fee
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Free employee cards which also earn unlimited 1.5X miles from their purchases

See additional details for Capital One® Spark® Miles Select for Business

More Info

Read Getting Proof for a Trip Delay or Cancellation Coverage Claim

Emergency evacuation insurance

A medical emergency can happen during a trip when you or a member of your family need to get to a hospital for immediate care. Or the country you’re in has had an incident that requires you to leave quickly. It can be a nightmare to coordinate travel home when a crisis happens. Thankfully, there are credit cards that offer help to get you home quickly.

Cards to consider:

Baggage insurance

There are several types of baggage insurance that may be referred to as lost luggage insurance or baggage delay insurance. Depending on the coverage your card offers, you may receive coverage if your checked or carry-on baggage is damaged, lost or stolen while on a common carrier or delayed.

Lost luggage (or baggage) insurance often covers both your luggage and its personal contents. Typically, there are certain restricted items that aren’t covered such as cash and tickets. Meanwhile, baggage delay insurance may cover items purchased while your baggage is delayed a certain amount of time, such as clothes or toiletries. There are also items that aren’t eligible for coverage.

Cards to consider:

A note about card travel insurance policies in general

The majority of travel insurances provided by credit cards come with specific terms and conditions that limit the coverage you may receive and outline the exact definitions of your plan. It’s important to review the terms provided with your card prior to booking travel so you’re aware of what may or may not be covered.

Here are some tips and things to be aware of regarding credit card travel insurance policies:

  • Pay for your trip with your card. You typically have to pay for your entire trip with your card to be eligible for coverage. Some cards may allow you to pay a portion of your trip with your card, but refer to your terms and conditions for exact details.
  • File a claim within the given time frame. Many policies require you to file a written claim within a certain amount of days from the occurrence in order to be eligible for coverage. This may range anywhere from 20-180 days.
  • Insurance provided by your card is often secondary to other coverage. That means if the common carrier or your primary insurance provides reimbursement, the insurance provided by your credit card may cover the remaining amount.
  • Coverage is limited to a certain dollar amount. Travel insurance policies cap the amount of coverage you receive per person per trip. For example, a trip delay insurance plan may cover up to $500 per person per trip. That means you’re responsible for costs exceeding $500.
  • Restrictions apply to covered items. There are limits to what’s covered for each insurance plan. Just because you receive baggage insurance, that doesn’t mean everything in your bag is covered. Many insurance plans don’t cover cash, checks, tickets or other items. Restrictions also apply to other types of insurances like travel accident insurance and trip delay insurance.

Read No Credit Card Trip Protection? These Companies Can Help

The information related to The Ritz-Carlton™ Credit Card and Citi Prestige® Credit Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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