Credit Cards » Compare Credit Cards » Best Credit Cards For Travel Insurance In 2024
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Best Credit Cards For Travel Insurance In 2024

Credit cards with good travel insurance provide a wide range of coverage for accidents, trip delay, lost baggage and rental cars.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

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Whether you’re heading on vacation or traveling for business, it can be disruptive to be away from home. While traveling can be exciting and interesting, being in an unfamiliar place can cause issues if you have a problem. Travel insurance is designed to provide reassurance for these circumstances.

As with other types of insurance such as auto or home insurance, travel insurance is specifically designed to cover the various areas related to being away from home. This can vary from lost luggage to needing to cancel your trip.

Many credit cards offer basic travel insurance as part of the benefits, but few offer even more. Here are they:

Chase Sapphire Reserve®

Reward details

1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

Current Offer

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$550

0% Intro

N/A

APR

22.49%–29.49% variable

The Sapphire Reserve is Chase’s premium travel card, so it does carry a premium annual fee. However, this should be easily offset by the perks if you’re a regular or frequent traveler. The card has a tiered reward structure weighted towards Chase Ultimate Rewards purchases, with up to 10 points per dollar spent available.

The card benefits include the travel insurance detailed above, reimbursement for NEXUS, TSA PreCheck or Global Entry application fee, up to $300 in statement credit for travel purchases per anniversary year and complimentary airport lounge access via Priority Pass Select.

Frequent travelers are also likely to appreciate that you can get 50% more point redemption value when you redeem for travel via Chase Ultimate Rewards.

Travel accident insurance Up to $1,000,000
Trip cancellation/interruption Up to $10k per person and $20k per trip, maximum of $40k per 12 month period
Trip delay reimbursement Up to $500 per ticket if you’re delayed for over six hours
Lost or damaged baggage Up to $3,000 per passenger
Rental car Up to $75,000
Chase Sapphire Reserve: one of the best credit cards for travel insurance
Chase Sapphire Reserve: one of the best credit cards for travel insurance (Photo by photobyphotoboy/Shutterstock)

Chase Sapphire Preferred® Card

chase_sapphire_preffered

Chase Sapphire Preferred® Card

Reward details

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.

Current Offer

60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

21.24%–28.24% variable APR

 The Chase Sapphire Preferred is a popular travel rewards credit card with a tiered reward structure weighted towards Chase Ultimate Rewards Travel.

The card has a modest annual fee and in addition to its travel insurance benefits, you can also enjoy up to 120 days of purchase protection against theft or damage with a cap of $500 per claim and a $50,000 account cap. This makes it a solid card choice for regular travelers who are concerned about offsetting a high annual fee.

The other card benefits include up to $50 of statement credits per year for hotel stays that you purchase via Chase Ultimate Rewards and an anniversary bonus of 10% on purchases made during the previous year. So, if you spend $30,000 in year one, you’ll get a 3,000 point bonus in year two.

Travel accident insuranceUp to $500,000
Trip cancellation/interruptionUp to $10k per person and $20k per trip, maximum of $40k per 12 month period
Trip delay reimbursementUp to $500 per ticket if you’re delayed for over six hours
Lost or damaged baggageUp to $3,000 per passenger
Rental carUp to the cash value of the vehicle

United Explorer Card

Reward details

1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases

Current Offer

50,000 miles 50,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.

Credit Rating

Good – Excellent

Annual Fee

$95 ($0 first year)

0% Intro

N/A

APR

21.99% – 28.99% variable

The United Explorer is a co-branded card that is ideal for those who tend to fly United. The card has a modest annual fee, which is waived for the first year, but it offers some excellent perks.

In addition to the tiered reward structure weighted towards United, dining and hotel purchases, you’ll get first checked bags free for you and one travel companion on United flights, reimbursement for your TSA PreCheck, Nexus or Global Entry application fee and priority boarding for United operated flights.

The other perks include 120 days of purchase protection, statement credit for in flight purchases and two one time United Club passes each card anniversary.

Travel accident insuranceUp to $500,000
Trip cancellation/interruptionUp to $1,500 per person & $6,000 per trip
Trip delay reimbursementUp to $500 per ticket if you’re delayed for over 12 hours
Lost or damaged baggageUp to $100 per day for up to three days
Rental carUp to the cash value of the vehicle

U.S. Bank Altitude® Reserve Visa Infinite® Card

U.S. Bank Altitude Reserve Visa Infinite Review

U.S. Bank Altitude® Reserve Visa Infinite® Card

U.S. Bank Altitude® Reserve Visa Infinite® Card

U.S. Bank Altitude Reserve Visa Infinite Review

Reward details

1X – 5X 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on eligible travel purchases and mobile wallet spending and 1 point per dollar on all other eligible net purchases

Current Offer

50,000 points 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening

Credit Rating

Excellent

Annual Fee

$400

0% Intro

N/A

APR

16.24% (Variable)

The U.S Bank Altitude Reserve Visa Infinite does have a steep annual fee, but this should be easily offset with its benefits. The card has a tiered reward structure weighted towards travel purchased via the Altitude Rewards Center.

However, you get a 50% points bonus when you redeem for travel. There are no point earning limits and you can earn up to $325 in travel credit per year. You can also enjoy airport lounge access with this card via a 12 month complimentary Priority Pass Select.

One potential downside with this card is that the travel insurance benefits are not as comprehensive as with some of the other cards on this list. For example, there is no baggage delay protection and the trip interruption/cancellation policy only provides coverage for common carrier tickets.

Travel accident insuranceUp to $500,000
Trip cancellation/interruptionUp to $2,000 per person, but only covers common carrier non refundable tickets
Trip delay reimbursementUp to $500 per ticket if there is a delay of over six hours
Lost or damaged baggageUp to $3,000 per trip or $2,000 per bag for residents of New York
Rental carPrimary Coverage for theft and physical damage, customary and reasonable towing.

Delta SkyMiles® Reserve American Express

Reward details

1X – 3X 3X miles per dollar on eligible Delta flights and Delta Vacations® with 1X miles on all other purchases

Current Offer

60,000 miles


Earn 60,000 bonus miles after you spend $5,000 in purchases on your new card in your first six months

Credit Rating

Good – Excellent

Annual Fee

$650

0% Intro

N/A

APR

20.99%-29.99% Variable

The Delta SkyMiles Reserve is a co-branded Amex card that has a tiered reward structure weighted towards Delta purchases. This makes it a great option for regular Delta flyers.

The card has a premium annual fee, but this is offset by the premium card perks. These include a companion certificate each renewal year, first checked bag free when you fly Delta, reimbursement for TSA PreCheck or Global Entry application fees, priority boarding and complimentary Delta SkyClub and The Centurion Lounge when you are traveling on a Delta flight.

However, the travel insurance policies do have some limitations, so it is important to check the full terms and conditions before you commit to this card.

Travel accident insuranceThere is emergency medical transportation at no cost if it is deemed medically advisable or necessary by the Premium Global Assist Helpline.
Trip cancellation/interruptionUp to $10,000 per trip and $20,000 per card in a 12 month period
Trip delay reimbursementUp to $500 per trip for delays of more than six hours, with a cap of two claims in any 12 month period
Lost or damaged baggageUp to $1,250 for carry on and $500 for checked bags
Rental carSecondary coverage for up to $75k for collision or theft damage if your rental is 30 days or less.
Seating inside the Delta Sky Club at Denver International Airport
Seating inside the Delta Sky Club at Denver International Airport (Photo by LukeandKarla.Travel/Shutterstock)

The Platinum Card® from American Express

amex platinum

The Platinum Card® from American Express

Reward details

1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases

Current Offer

80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

Credit Rating

Good – Excellent

Annual Fee

$695

0% Intro

None

APR

21.24% – 29.24% APR Variable

The Platinum Card from American Express is the premium credit card that offers some superb benefits. In addition to the travel insurances detailed above, there is automatic Marriott Bonvoy Gold Elite Status, Hilton Honors Gold Status and Premium Car Rental Status.

While the annual fee is quite steep, this should be easy for regular travelers to offset with the various statement credit options. These include hotel and airline fee credit, Uber Cash, reimbursement for TSA PreCheck and Global Entry application fees and CLEAR credit.

The main competitor of the Platinum card is the Chase Reserve card, and both offer quite similar travel insurance coverage.

Travel accident insuranceUp to $500,000
Trip cancellation/interruptionUp to $10,000 per trip and $20,000 per card in a 12 month period
Trip delay reimbursementUp to $500 per trip for delays of more than six hours, with a cap of two claims in any 12 month period
Lost or damaged baggageUp to $3,000 per passenger
Rental carUp to $75,000
Amex Platinum travel insurance benefits
Amex Platinum card offers a wide range of travel insurance coverage options for cardholders. (Photo by NaMong Productions/Shutterstock)

Capital One Venture X Rewards

Venture X Rewards

Capital One Venture X Rewards

Reward details

1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases

Current Offer

75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$395

0% Intro

N/A

APR

19.99% – 29.99% (Variable)

The Capital One Venture X Rewards has a tiered reward structure with up to 10 miles per dollar available.

The card does have a high annual fee, but there is up to $300 annual statement credit for bookings via Capital one Travel, an anniversary miles bonus, statement credit for TSA PreCheck or Global Entry fees and complimentary unlimited airport lounge access for you and up to two guests.

However, the travel insurance package is a little limited compared to some other cards. So, you’ll need to evaluate which is more important to you; comprehensive travel insurance or card perks.

Travel accident insuranceUp to $250,000
Trip cancellation/interruptionN/A
Trip delay reimbursementN/A
Lost or damaged baggageUp to $3,000 per passenger
Rental carN/A
Capital One Venture X travel insurance
The Capital One Venture X card travel insurance is one of the most extensive in the industry (Photo by Africa Studio/Shutterstock)

Bank of America® Premium Rewards® credit card

Bank of America® Unlimited Cash Rewards Credit Card

Bank of America® Premium Rewards® credit card

Reward details

1.5X – 2X Unlimited 2X points on travel and dining purchases. Unlimited 1.5X points on all other purchases

Current Offer

60,000 points 60,000 online bonus points for spending $4,000 on new purchases in the first 90 days of opening their card account.

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

N/A

APR

20.24% – 27.24% variable

The Bank of America Premium Rewards card offers unlimited points for everyday purchases with a higher rewards rate for dining and travel purchases.

The card has a modest annual fee, but it offers some excellent benefits including reimbursement for Global Entry or TSA PreCheck application fees, statement credit for up to $100 for airline incidentals and purchase protections.

This card is a solid choice for less regular travelers who still want to enjoy a comprehensive suite of complimentary travel insurances.

Travel accident insuranceEmergency evacuation available and coverage for eligible medical services
Trip cancellation/interruptionUp to $2,500 in non refundable passenger fares
Trip delay reimbursementUp to $500 per ticket if your delay is over 12 hours
Lost or damaged baggageUp to $100 per day in reimbursement for up to five days if your bags are delayed over six hours. There is also coverage if your bags are lost, stolen or misdirected by your common carrier.
Rental carCoverage for theft or damage

Table Of Content

Why Do You Need Travel Insurance?

While having travel insurance is not typically mandatory, it can provide significant financial reassurance should you encounter a problem when you’re away.

Even something as minor as the airline losing your bags can quickly add up to serious expenses. If your bags are delayed for 48 hours, you’ll need to purchase toiletries, replacement clothing and more for the first couple of days of your trip.

Now, when we get into more serious issues such as needing to cancel your trip due to unforeseen circumstances or having a medical issue while you’re away, the potential losses could run into thousands of dollars.

Depending on the coverage of your travel insurance, you’ll be reimbursed for these losses less any policy excess. However, travel insurance packages can become costly if you want to cover all possible eventualities.

This is where the best credit cards for travel insurance can help. There are many credit cards that offer travel insurance as a card perk, which can provide you with great reassurance for your future travel without breaking the bank.

sign on travel insurance policy
(Photo by 279photo Studio/Shutterstock)

Travel Insurance Types

As we touched on above, there are various types of travel insurance, but you may not need all of them for your travel plans. Therefore, it is important to understand what is covered by the different types of travel insurance.

Trip delay insurance provides reimbursement if your travel plans are delayed for a covered reason. The typical covered reasons include airline maintenance, severe weather or civil unrest. Additionally, there is often a waiting period before your policy benefits kick in.

So, if your flight is delayed for 30 minutes, you’re unlikely to get any reimbursement for food, but if you’re delayed for 12 hours, the policy could cover lodging, food and even local transportation.

The specific timeframe for your benefits varies according to your policy, but it could be as little as three hours. Additionally, there is typically a daily limit which is generally up to $250 per traveler and a policy limit that can be anywhere from $500 to $2,000.

Just bear in mind that you will need to pay for your items and save your receipts, and then you can submit them to support your claim for reimbursement.

Trip cancellation or interruption insurance is designed to reimburse you for non refundable, prepaid travel expenses if you have an acceptable reason for cancellation.

For example, if there is a death in your immediate family, you’re ill, there are weather related issues or there is a sudden business conflict, your insurance will kick in to provide reimbursement up to the policy stated limits.

This can be a beneficial coverage if you have paid more upfront than you could be comfortable losing. For example, if you’ve paid $100 for a weekend away, you may not be too bothered if you can’t get a refund on your accommodation. However, when you’ve dropped $3,000 for a vacation tour, you would be glad of trip cancellation insurance.

Credit Card Travel Insurance
Pay attention to insurance coverage limits (Photo by DOERS/Shutterstock)

This type of travel insurance covers loss, damage or theft of your bags and personal effects. While many carriers including airlines will reimburse travelers when baggage is lost due to their error, there are often limitations on the amount you’ll be reimbursed. Therefore, lost baggage coverage provides a further layer of protection.

In some lost baggage policies, you’ll also have the option for reimbursement for essential items you need to purchase while you’re waiting to be reunited with your bags. There is typically a claim limit for this, but it usually provides sufficient coverage to replace toiletries and a change of clothing. 

Again, you’ll need to purchase the items and retain your receipts to support your claim when you file it.

This provides coverage for medical expenses related to an accident while you’re away from home. This can cover medical expenses that you incur, but it can also help you to locate healthcare facilities or assist you with foreign language services.

The coverage can vary greatly, depending on the provider and specific policy. Some policies cover basic medical expenses, while more comprehensive policies will cover airlift travel to medical facilities, medical evacuation or extended stays in a foreign hospital.

It is also important to check the limitations of your policy. If you’re performing an activity that is deemed risky such as some water sports or snowboarding, you may not be covered if you suffer an accident.

Rental car insurance is perhaps the most common type of travel insurance offered with credit cards, but it can be a nice perk if you tend to rent a vehicle when you travel. This insurance is typically additional coverage to supplement the car insurance that is included with your rental.

Generally, you will need to pay for your entire rental with your credit card and decline the rental counter additional coverage. Then if you’re involved in an accident or the vehicle is stolen, you won’t be out of pocket.

Credit Card Rental Car Insurance
Credit Card Rental Car Insurance is a significant benefit of many credit cards (Photo by Africa Studio/Shutterstock)

How to Choose a Credit Card for Travel Insurance

While we’ve highlighted our picks for the best credit cards for travel insurance, there are many good cards on the market. So, how do you choose the right one for you? Although this decision may seem a little daunting, there are some factors to consider which can help you make the right choice.

  • The Annual Fee: You will need to weigh the cost of the annual fee with the value of the travel insurance benefits. If you’re a frequent traveler and will get the most use of the travel perks, it may be worthwhile to pay a premium annual fee, but if you only travel once a year, you may be better off with a card that has a modest or no annual fee.
  • The Rewards: Cards tend to offer points, miles or cash back. In the case of travel credit cards, it is likely to be miles or points. So, you will need to consider which type of rewards you are most comfortable with. Again, miles can be a good choice if you frequently fly, but if you prefer greater flexibility, points are a better option.
  • Other Benefits: The cost of the annual fee can also be weighed against the other card benefits. Many of the cards offering travel insurance tend to offer travel perks, but there are exceptions. If you travel regularly, you will likely get the most use from airport lounge access, free checked bags and priority boarding.
  • Your Credit: Finally, you will need to check your latest credit score to see which cards are most applicable to your circumstances. If you have less than ideal credit, you may need to set your expectations lower and go for a more modest card, building up towards a top of the line card in the future.

What are the Limitations of Travel Insurance Cards?

The main limitation of travel insurance cards is that cards with comprehensive insurance packages tend to have benefits that are almost exclusively travel related. This means that if you’re not a regular or frequent traveler, you won’t be able to leverage the full potential of the card.

However, the other obvious limitation is that the travel insurance typically only kicks in if you purchase your fares and stays with your card. This means that if you get higher rewards purchasing travel with another card, you won’t have the coverage from the card. So, you’ll need to assess which has more value to you, the travel insurance or the higher rewards.

As with any insurance product, it is also important that you read and understand all the terms and conditions for your policy. In most cases, there will be limitations or restrictions on your coverage.

For example, there may be a cap on the amount of cover or your policy may only cover common carrier fares rather than your entire vacation. Additionally, you will need to have a valid reason for the coverage to kick in.

FAQs

This depends on the coverage offered with a specific card. You will need to read the terms and conditions carefully to assess whether you need to purchase additional travel insurance.

While rental car coverage is quite common, it is not available with every travel insurance card. So, check the card information carefully if this is a coverage that is important to you.

You should have policy details included in your welcome package when you receive your card, but if you don’t have this paperwork on hand, you can call your credit card issuer and a representative can guide you through your coverage.

Yes, in fact, many of our picks for the best credit cards for travel insurance are Chase or Chase co-branded cards.

Yes, there are American Express cards that provide travel insurance including the Platinum Card and Delta SkyMiles Reserve.

While there are some Citi cards that have travel benefits, it is difficult to find one offering travel insurance. 

Yes, there are Bank of America credit cards that provide travel insurance.

Yes, there are Capital One cards offering travel insurance including the Venture X Rewards we discussed in this article.

Your card issuer will provide you with a helpline that you can use to file a claim. This may include an overseas number, so you can start your claim or seek help as soon as you run into an issue.

Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How We Picked the Best Travel Insurance Credit Cards

When determining the best travel insurance credit cards, we conducted a comprehensive evaluation based on several key factors.

Firstly, we analyzed the extent of travel insurance coverage offered by each credit card, considering factors such as trip cancellation and interruption insurance, baggage loss or delay coverage, and emergency medical assistance.

We also assessed the card's annual fee and the value provided in relation to the coverage offered. Additionally, we took into account other features and benefits, such as rewards programs, travel perks, and ease of filing claims.

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  • 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.
Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
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Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.