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Credit Cards With Travel Insurance for August 2018

Credit Cards With Travel Insurance for August 2018

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Jul 11, 2018, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on 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. 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.

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 is a cap on how much coverage you may receive per trip.

Cards to consider:

Check out this IHG Rewards cheat sheet.

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:

Baggage insurances

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.

‡The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.

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