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Best credit cards for travel insurance

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Credit cards with travel insurance can help protect you from financial losses when your luggage is lost or stolen, your trip is canceled for reasons beyond your control, or someone vandalizes your rental car.

Amazingly, credit cards that come with travel insurance offer this extra protection on a complimentary basis. When you have one of the top rewards credit cards with travel insurance, you can enjoy these added perks for free.

The travel insurance benefits you’ll get with a rewards card can vary dramatically, though it shouldn’t surprise you that premium travel credit cards tend to offer the broadest coverage.

Types of coverage you may get with the best credit cards for travel insurance include trip cancellation and interruption insurance, auto rental coverage, baggage delay insurance, lost luggage reimbursement, roadside assistance and much more.

If you’re hoping to get travel insurance as a cardholder perk, the following rewards credit cards with travel insurance should be at the top of your list.

Chase Sapphire Reserve

Best for luxury travel

  • Trip cancellation/interruption insurance: up to $10,000 per person and $20,000 per trip
  • Primary auto rental coverage: up to $75,000 for theft or collision damage
  • Baggage delay insurance: up to $100 per day for five days
  • Trip delay reimbursement: up to $500 per ticket
  • Roadside assistance: up to $50 per incident up to four times per year
  • Lost luggage reimbursement: up to $3,000 per passenger
  • Travel and emergency assistance services
  • Travel accident insurance: up to $1 million
  • Emergency evacuation and transportation coverage: up to $100,000 per trip
  • Emergency medical or dental benefit: up to $2,500 when you’re at least 100 miles from home

Learn more about the benefits of this card in our full review of the Chase Sapphire Reserve®.

The Platinum Card from American Express

Runner-up for luxury travel

  • Global Assist Hotline: available when you’re at least 100 miles from home
  • Trip cancellation and interruption insurance: up to $10,000 per trip and up to $20,000 per eligible card every 12 months
  • Trip delay insurance: up to $500 per covered trip (maximum of two claims every 12 months)
  • Baggage insurance: up to $3,000 per passenger for carry-on luggage and up to $2,000 per person for checked baggage
  • Secondary auto rental coverage: up to $75,000 on rental periods of 30 consecutive days or less

Learn more about the benefits of this card in our full review of The Platinum Card® from American Express.

Chase Sapphire Preferred Card

Best for budget travel

  • Trip cancellation and interruption insurance: up to $10,000 per person and $20,000 per trip
  • Primary auto rental coverage for damage or collision: up to the cash value of the vehicle on rental periods of 31 consecutive days or less
  • Baggage delay insurance: up to $100 per day for up to five days
  • Trip delay reimbursement: up to $500 per ticket
  • Roadside dispatch
  • Lost luggage reimbursement: up to $3,000 per passenger
  • Travel and emergency assistance
  • Travel accident insurance: up to $500,000

Learn more about the benefits of this card in our full review of the Chase Sapphire Preferred®.

Capital One Venture X Rewards Credit Card

Best for everyday use

  • Trip cancellation and interruption coverage: up to $2,000 per insured person
  • Trip delay reimbursement: up to $500 for each purchased ticket
  • Auto rental collision damage for theft or collision: up to the vehicle’s actual cash value of $75,000
  • Lost luggage insurance: up to $2,000 per bag and $3,000 per trip
  • Travel and emergency assistance services
  • Travel accident insurance: up to $1,000,000 per person

Learn more about the benefits of this card in our full review of the Capital One Venture X Rewards Credit Card.

Ink Business Preferred Credit Card

Best for small businesses

  • Trip cancellation/interruption insurance: up to $5,000 per person and $10,000 per covered trip
  • Travel and emergency assistance services
  • Roadside dispatch
  • Primary rental car coverage: up to the cash value of the vehicle when you rent a car for business purposes

Learn more about the benefits of this card in our full review of the Ink Business Preferred® Credit Card.

How to choose a credit card with travel insurance

If you’re shopping around for a travel credit card that comes with travel insurance, take note of other features such as rewards and fees. That way, you’ll wind up with a card that works well when you travel while still providing plenty of value at home.

Here are some tips to consider as you browse the top credit card offers:

Step 1: Decide which travel protections you need the most. First, it can help to decide which travel insurance benefits you care the most about. While some consumers may only need primary rental car coverage or trip cancellation and interruption insurance, think about whether you would use other benefits like baggage insurance or roadside assistance.

Step 2: Read through the terms and conditions. In addition to deciding which travel protections you’re likely to use, pay attention to coverage limits and exclusions. For example, some travel cards offer only auto rental coverage for certain rental periods or within certain countries. Other benefits come with low limits that won’t provide much protection.

Step 3: Compare rewards programs. Next, think about the types of rewards you want to earn with your credit card—whether you prefer to rack up cash back, earn points you can transfer to airline or hotel programs or get flexible rewards you can redeem in more than one way. Be sure any card you’re considering offers a rewards scheme that makes sense for your spending style.

Step 4: Weigh the perks of cards that charge annual fees. Finally, keep in mind that the best credit cards with travel insurance tend to charge annual fees and that the cards with the most robust coverage options charge fees of $500 or more. While paying the high fee on a travel credit card could be well worth it, you may be able to get basic travel protections for less (or even with no annual fee) if you take the time to compare all your options.

The bottom line

If you’re angling for a credit card with travel insurance, any of the rewards credit cards we profiled on this page should fit the bill. But be sure to compare based on other features such as rewards and fees. Travel insurance benefits can be well worth paying a credit card’s annual fee, but don’t overpay for the protections you want the most.

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.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
Edited by
Associate Editor