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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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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 .
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 .
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 .
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 .
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 . How to choose a credit card with travel insurance
If you’re 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 : 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 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 for more details. Underwritten by Amex Assurance Company. SHARE: 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. Cathleen's stories on design, travel and business have appeared in dozens of publications including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodor’s Travel, Departures and The Writer. Related Articles