does credit card travel insurance work

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How does travel insurance work on a credit card.

Credit card travel insurance protects you from some unforeseen circumstances that may disrupt your travel plans. If your credit card includes travel insurance, you may be reimbursed if your travel is affected by weather, health issues or certain kinds of emergencies outside your control.

Typically, credit card travel insurance only covers the expenses that you charge to that specific card. And because different cards have different travel insurance policies, it's important to read the fine print in your card's terms and conditions to understand your coverage levels.

What is travel insurance?

Travel insurance provides protection for expenses associated with travel, both domestic and international. Travel insurance may reimburse you if your trip gets cancelled, delayed or interrupted--or if you have to pay medical costs that your primary health insurance can't cover.

Travel insurance benefits can be broken down into a few different categories:

Trip cancellation insurance may reimburse you if your pre-booked, non-refundable flight (that was booked with the same credit card) is cancelled under unforeseen circumstances, such as injury or if your flight is cancelled due to weather conditions or other.
Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card.
Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home. In most cases, only the part of your trip that was interrupted will be eligible for reimbursement.
Travel delay insurance may reimburse expenses, such as a hotel stay, that arise from severe delays.
Medical insurance works like a supplement to your existing health insurance, which may not cover medical costs that you incur abroad. Evacuation insurance covers the costs associated with an evacuation following a weather event or other disruption.
Baggage insurance is supplemental to coverage provided by your airline or via your homeowners or renters insurance policy. Baggage coverage may reimburse you for the actual or replacement cost of your possessions, should they go missing as you travel.

What are the benefits of credit card travel insurance?

Many airlines and tour operators offer travel insurance as an add-on at point of purchase. Credit card travel insurance, on the other hand, is a feature offered on certain credit cards.

Credit card travel insurance provides the following benefits:

Financial protection : Comprehensive credit card travel insurance can provide full coverage should a covered event--such as severe weather, a medical emergency affecting you or a loved one, or loss of employment--occur. In many cases, travel insurance may require you to pay any expenses out of pocket, then file a claim later for reimbursement.
Evacuation assistance : If your credit card travel insurance includes evacuation coverage, you can get help securing transport when a covered event (like weather or a political incident) disrupts your travels. Depending on the coverage provided by your credit card travel insurance plan, even emergency medical evacuations such as those on a private jet-may be covered.
Supplemental medical coverage : Many health insurance plans don't cover medical costs incurred outside the country. Even those that do are likely to charge a deductible. Credit card travel insurance that includes medical coverage may pay for some medical costs, including your primary plan's deductible.
Peace of mind : Having credit card travel insurance can give you the confidence to make bold travel plans--or jet somewhere sunny in the dead of winter. A major storm might snarl your vacation plans, but with travel insurance you may get fully reimbursed.

What questions should I ask about credit card travel insurance?

Credit card travel insurance provides many benefits, but be sure to understand what coverage your card provides before you book a trip. Do your research and ask questions to maximize the value of your credit card's travel insurance program:

What coverage levels does my card offer? Get a copy of your card's full terms and conditions to learn exactly what kinds of travel coverage are included.
Are my family members covered by my credit card travel insurance? Travel insurance typically covers events that affect your immediate family: for example, if your child gets sick before you embark on a flight. Your more distant relatives--and pets--may not be covered, however.
What specific events are covered? Understanding the events that can trigger a claim is crucial to getting the most out of travel insurance. For instance, involuntary unemployment may qualify you for cancellation protection--but leaving your job voluntarily may not.

Relying on credit card travel insurance

Credit card travel insurance can offer financial protection and peace of mind when you travel. Take the time to understand how your card's travel insurance works-and be aware that only expenses charged to your card are likely to be covered.

Chase Sapphire is an official partner of the PGA Championship .

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Guide to travel insurance with credit cards

As you plan your next trip, check your credit cards for their travel insurance benefits

Published: July 13, 2022

Author: Susan Ladika

Editor: Grace Pilling

Reviewer: Kaitlyn Tang

How we Choose

This guide features what’s included in travel insurance and how to assess what coverage you need based on your trip type, destination and length.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

Travel insurance has your back when the unexpected happens on a trip. In fact, many countries—from Anguilla to the United Arab Emirates—require visitors to have travel insurance upon arrival.

One way to protect your investment in a grand getaway or storybook honeymoon is through travel insurance. A number of credit cards offer travel insurance , covering everything from canceled or interrupted travel to lost luggage and damage to a rental car. That said, the type of coverage varies.

According to Carol Mueller, vice president of Berkshire Hathaway Travel Protection, about 25 percent to 30 percent of leisure travelers in the United States purchase travel insurance.

But before you purchase a travel insurance policy for your next vacation or hop on a flight assuming your credit card’s got you covered, here’s what you should know about travel insurance and how to pick the right coverage for you.

What is travel insurance?

Travel insurance (sometimes called trip insurance) will reimburse your prepaid travel expenses if things go awry or compensate you in the event of an emergency.

Depending on the type of coverage you have — either offered via a credit card or with a travel insurance policy you paid for — you may get your money back if you have to cancel the trip before you depart or if you cut your trip short for an unforeseen reason.

Credit cards may include types of coverage that you won’t find with a travel insurance policy you purchase, such as coverage for rental cars. And the travel insurance you purchase may offer coverage that your card doesn’t include, such as medical evacuation insurance.

Who needs travel insurance?

In some cases, the insurance benefits provided by your credit card may be enough. In other cases, you might want to boost your benefits by purchasing travel insurance. The difference may depend on where you’re headed and how much the trip costs.

If you spend $200 on an airline ticket to visit your parents one state over, you might not need additional travel insurance. But if you’re going on a cruise that costs thousands of dollars and need to make payments months in advance, you might want the extra protection that travel insurance offers.

To determine what kind of travel insurance you need, including how much coverage you need in terms of dollars, consider the following questions:

Will you be traveling domestically or internationally?
How long will you be traveling? Is it a short trip (seven days or less) or a long trip?
Are you traveling for business, pleasure or an emergency?

For example, if you’re going on a quick business trip, you will likely not need the same level of travel insurance coverage as if you’re heading out on a weeklong vacation outside the U.S.

How much does travel insurance cost?

If you have a credit card that offers travel insurance, then there’s no extra cost. You generally need to just use that card to pay for the trip in order to be eligible for coverage.

If your cards don’t meet your travel insurance needs — or you just want to be covered for any contingency — you may want to supplement your coverage by purchasing a travel insurance policy.

A travel insurance policy usually costs about 5 percent to 7 percent of the cost of the trip, Mueller says.

The main factors in the price of a travel insurance policy are the type of trip, including cost, length and destination, and the traveler’s age and any existing medical conditions.

What are the types of travel insurance?

There can be big differences between credit card coverage and a travel insurance policy you pay for out of pocket. The types of coverage offered can also vary greatly from one credit card to another.

Trip cancellation and trip interruption insurance

Trip cancellation insurance can reimburse your nonrefundable travel costs if you need to cancel your trip for a covered reason, such as illness or injury, before you depart.

Trip interruption insurance can reimburse your costs when you’re already on the road and your trip is interrupted for a covered reason, such as an illness or a natural disaster.

Many credit cards provide either trip cancellation, trip interruption insurance or both. There can be wide variations in coverage limits for trip cancellation/interruption insurance, and premium cards usually offer more generous policies.

For example, the Chase Sapphire Reserve , which has a hefty $550 annual fee, offers both trip interruption and cancellation insurance that provides coverage of up to $10,000 per person (up to $20,000 per trip) for prepaid, nonrefundable travel expenses. Meanwhile, the no-annual-fee Wells Fargo Visa Signature credit card * provides up to $2,000 per person in trip cancellation or interruption insurance.

Travel accident insurance

Travel accident insurance (often called flight accident insurance or accidental death and dismemberment insurance) is included with several credit cards. This insurance can provide a payout if you are killed or lose a limb or one of your senses — such as sight or hearing — while traveling on a common carrier.

The Capital One Venture Rewards Credit Card , for example, provides up to $250,000 of such insurance.

Emergency medical and evacuation insurance

This type of insurance covers emergency evacuation if you or your spouse, domestic partner or dependent children become seriously injured or ill while you’re traveling. Both the Citi Prestige® Card * and Chase Sapphire Reserve cards cover emergency services and transportation up to $100,000.

Once you are evacuated to a hospital, though, you may have to foot your own medical bills.

According to Steven Benna, spokesperson for the travel insurance site Squaremouth.com, Medicare generally does not pay if you have a medical emergency outside of the United States, and many private health insurance plans may not cover you if you’re traveling abroad.

Travel insurance policies you purchase on your own can include both emergency evacuation insurance and emergency medical insurance.

‘Cancel for any reason’ insurance

Cancel for any reason (CFAR) insurance will allow you to earn refunds on hotels and flights even if you cancel these reservations for reasons not included by traditional travel insurance policies.

These policies can be expensive, with most carriers who provide them offering them as an upgrade to a traditional travel insurance policy. Not all CFAR policies reimburse all your travel costs. Some policies, for instance, only reimburse you for 75 percent of your costs.

Trip delay insurance

Both comprehensive travel insurance policies and many credit cards, including some airline credit cards , will cover your expenses if your trip is delayed for a certain amount of time. The United Explorer Card , for example, will cover expenses such as meals or lodging if your trip is delayed more than 12 hours or if an overnight stay is required.

Lost or delayed baggage

Comprehensive travel insurance will typically cover the purchase of clothing and other essentials if your baggage is delayed. Some credit cards will also cover lost or delayed luggage. The Capital One Venture Rewards Card, for example, reimburses you for up to $3,000 if your luggage is lost.

Auto insurance

Credit cards may also offer travel protections that extend beyond flights, hotels and cruises. A number of credit cards, including the American Express® Gold Card , will cover you if you decline the collision damage waiver when renting a car and your rental vehicle is damaged or stolen.

Comprehensive insurance

Comprehensive insurance is by far the most popular type of coverage sold by travel insurance companies, Mueller says.

It bundles different coverages for one flat fee and can include trip interruption and cancellation insurance, accidental death and dismemberment insurance, travel delay insurance, emergency medical, dental and evacuation insurance and baggage delay insurance.

Who is covered by travel insurance?

Benefits provided by your credit card may cover you, your spouse or domestic partner and your dependent children. If you purchase travel insurance, you can buy a policy just for yourself or for your whole family if you are traveling together.

Be sure to check your benefit details or clearly communicate with an insurance provider when purchasing a policy to ensure your travel insurance offers sufficient coverage for all travelers in your party who need it.

How to find travel insurance

If you’ve got a trip coming up, first check your credit cards to see which types of coverage they provide. Travel insurance benefits on Chase cards , for example, tend to be impressive, especially on cards with a higher annual fee. You can also find solid travel insurance benefits with American Express and other issuers.

If you’re in the market for a new card and you’ve got a big trip on the horizon, you might want to check the travel benefits offered before applying for the card. You might even land a sweet sign-up bonus that will help cover some of your travel costs.

If you want to supplement your card benefits with other coverage, reach out to your current provider for home or auto insurance or check out travel insurance aggregators such as InsureMyTrip or SquareMouth .

Mueller recommends buying travel insurance within 15 days of making a deposit or paying for your trip.

Considering many policies have exclusions for preexisting conditions, you don’t want to be diagnosed with a disease and then be unable to buy travel insurance. Another reason to buy insurance well ahead of your trip includes the potential for unforeseen circumstances, such as a natural disaster or terrorist attack near or at your trip’s destination.

What to look out for with travel insurance

Changes to your credit card benefits.

Even if one of your credit cards offered travel insurance when you initially signed up, card issuers can change or remove benefits, so be sure to check your coverage before you depart. By the same token, perhaps you’re unaware of coverage offered by a card or, less commonly, one of your existing cards may also start offering travel insurance, so it’s wise to check the offerings on all your cards before a trip.

Exclusions and fine print

Both travel insurance that comes with your credit card and coverage you purchase will have exclusions, so read the fine print . For example, travel insurance typically won’t cover you for preexisting medical conditions or if you’re traveling against the advice of a physician.

Accidents arising from certain activities may also be excluded from coverage — if you’re participating in a competitive sport, for example, or a high-risk activity like sky diving. If your itinerary includes such activities, you might be able to purchase a special policy, often tagged as an “adventurer” package.

Bottom line

Whatever you do and wherever you go on your next trip, you’ll want to be prepared. To be safe, be sure your next trip’s planning involves checking your credit card travel insurance benefits and purchasing additional travel insurance if you feel it’s needed.

*All information about Wells Fargo Visa Signature and Citi Prestige has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Susan Ladika spent more than three decades working as a journalist, reporting everywhere from Bali to Bosnia to Tampa Bay. Susan began writing about the fascinating field of personal finance for CreditCards.com and Bankrate during the heart of the Great Recession, when everyone wanted to learn how to save money and spend what they had more wisely. Over the years she’s written about a wide range of personal finance topics, including credit cards and debit cards, financial scams and frauds, savings and checking accounts, real estate and insurance.

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What You Need to Know About Credit Card Travel Insurance

What does credit card travel insurance cover how does it work and what are some credit cards that offer trip protection start to unravel the complexities in this beginner’s guide..

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What You Need to Know About Credit Card Travel Insurance

Whether your flight was delayed or your trip was derailed by COVID, you could recoup some of your costs with insurance provided by travel credit cards.

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AFAR partners with CreditCards.com and may receive a commission from card issuers. This site does not include all financial companies or all available financial offers. Compensation may impact how an offer is presented. Our coverage is independent and objective, and has not been reviewed, approved, or endorsed by any of these entities. Opinions expressed here are entirely those of the AFAR editorial team.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Travel can be fun and exciting, but many things can go wrong on a trip. There are flight cancellations and delays, lost luggage, and even the dreadful reality of contracting COVID away from home . Investing in travel insurance can alleviate the fear of such situations. But sometimes protections offered by travel insurance companies are ones that you already get for free from your credit card .

You read correctly. Just by charging travel to your credit card, you may be entitled to coverage that you never knew you had. As with third-party travel insurance—and basically any insurance for that matter—so many terms and conditions apply, there are rules after rules, and COVID reimbursements are a tricky topic.

The subject of credit card travel insurance is very complicated—way too complicated for a single article—yet the basics are worth knowing before booking your next trip.

What is travel protection on a credit card?

Most—but not all—credit cards provide several implicit travel insurances as benefits for being a cardholder. These insurances usually kick in when charging travel to the credit card or using points for travel through a credit card’s loyalty program. Said travel insurances are collectively referred to as travel protections in credit card literature. Typically, when searching for the travel coverages your credit card provides, you will find them lumped under a banner or heading labeled “Travel Protections.”

What does your credit card travel insurance cover?

Some of the best travel credit cards provide travel insurance as part of their regular benefits. Some do not. Depending on the credit card, you may be entitled to some compensation under the following insurances:

Emergency Evacuation & Transportation: If you become ill on your trip and require medical evacuation and treatment
Trip Interruption and Cancellation: If you need to cancel or cut short your trip due to specific unforeseen circumstances
Emergency Medical and Dental Benefit: If you require emergency medical or dental services during a covered trip
Trip Accident Insurance: If you are severely injured, maimed, or–eek–die on your trip
Trip Delay: If your common carrier is delayed more than a specified number of hours
Delayed Baggage: If your bags arrive late, beyond a specified number of hours
Lost Baggage: If your bags are deemed lost for good
Rental Car Insurance: If you rent a car more than a specified number of miles away from your domicile and experience theft or damage to the rental car that you did not cause

Again, it’s important to note that not all cards with travel insurance include all these coverages. Each is different. Moreover, if you buy third-party travel insurance , it may or may not include specific protections (and covered reasons) that you don’t already get with your credit card.

What credit cards come with travel insurance?

Remember those pamphlets that arrived in the mail when you received your credit card, the ones you threw in the recycling bin? Likely within that paperwork was a handy “Guide to Benefits” that detailed the travel insurances of your credit card. Thankfully, most of this information can still be retrieved online when logging into your credit card account or even doing a simple Google search.

In the most general sense, every credit card is unique in its benefits—and that includes travel insurances. Some cards like the Citi Premier® Card , which ranks best in class for extended warranty protection on shopping purchases and is great for earning points on travel, comes with zero travel protections. At the opposite end of the spectrum, Chase Sapphire Reserve® has the most comprehensive suite of travel protections, ranging from Medevac insurance to rental car insurance as primary coverage.

Below is a chart of six popular travel credit cards and the insurances they do and do not provide.

Within each box of this chart lies more layers of complexity. Often, you are entitled to itemized coverages only under specific circumstances known as “covered reasons.” Moreover, several cards may offer the same protection, say “Trip Delay Protection,” but each may define a delay differently (i.e., 6 hours vs. 12 hours) and then may cap reimbursements at different amounts. Similarly, while some rental car insurance policies like the Chase Sapphire Reserve offer primary coverage, others offer only secondary coverage (meaning, you’d need to go through your own regular car insurance first). On top of that, travel to specific countries may be excluded under some policies.

All this to say, read the fine print!

Where does COVID related coverage fit into credit card travel insurance?

To start, your credit card travel insurance is not an umbrella policy for COVID-related expenses. But you can find some COVID coverage within the Trip Cancellation & Interruption policies of select cards.

In the most general sense, if you decide to cancel your trip because of COVID (or civil unrest—another big topic nowadays), you will not be covered. Even the most generous of travel insurance-promoting credit cards, Chase Sapphire Reserve, states in its Guide to Benefits that “your disinclination to travel due to an epidemic or pandemic” is not covered by its Trip Cancellation & Interruption policies.

However, should you get sick while traveling, some coverage may kick in. Again, this will require reading through the fine print of your specific credit card’s Guide to Benefits. Within the Trip Cancellation & Interruption policies of Chase Sapphire Reserve, it states, “quarantine of you or your travel companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons,” is a covered event while the guide for The Platinum Card® from American Express (see rates and fees ) states, “quarantine imposed by a physician for health reasons” is also a covered event. What may be covered (if and when documented properly) is any prepaid trip expense charged to the credit card that you are unable to fulfill due to your illness. That means things like changing your flight home or a refund for the part of your trip/hotel stay missed after testing positive and having to quarantine. That said, neither card will pay for your expenses to stay in a hotel to recover from COVID.

Credit card travel insurance is complicated, and policies differ by card. However, it’s worth deciphering your card’s coverages to know exactly what you’re entitled to as a cardholder before booking your next trip–and to avoid redundant third-party travel insurance.

While the offers mentioned above are accurate at the time of publication, they are subject to change at any time, and may have changed or may no longer be available.

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Who is covered by credit card travel insurance?

Editor's Note

No matter how carefully you plan your vacation, bad weather or mechanical delays can throw your trip off track without warning. That's why it's important to consider getting travel insurance to protect your trip.

Thankfully, many of the top travel rewards cards on the market include various travel protections automatically when you use your card to pay for your trip.

What is credit card travel insurance?

Credit card travel insurance protects you from unexpected circumstances that disrupt your travel plans. These can include illness, weather and other emergencies outside your control.

Here's a list of common travel protections included with many travel credit cards:

Baggage delay coverage
Car rental coverage/auto collision damage waiver
Emergency medical and dental insurance
Global Assist hotline
Lost and damaged baggage coverage
Travel accident insurance
Trip cancellation and interruption coverage
Trip delay coverage

Related: What's covered by credit card travel accident and emergency evacuation insurance?

The people covered by your credit card travel insurance policy can vary from issuer to issuer. Most issuers cover your spouse and immediate family members to give you added peace of mind.

Does credit card travel insurance cover my partner?

In most cases, travel insurance coverage will include a spouse or domestic partner. Take The Platinum Card® from American Express , for example. In regards to its trip cancellation and interruption Insurance, the following eligible travelers are covered:

Eligible Traveler means you and your Family Members and Traveling Companions who purchase a covered trip to your Eligible Card. Family Member means a spouse, domestic partner, or unmarried dependent child up to age 19 (or under age twenty-six (26) if a full-time student at an accredited college or university).

Traveling Companion means an individual who has made advanced arrangements with you or your family members to travel together for all or part of a Covered Trip.

Related: Should you get travel insurance if you have credit card protection?

Does credit card travel insurance cover my family?

Depending on the card, travel insurance will cover your immediate family. For example, Chase offers trip delay, cancellation and interruption insurance on several credit cards, including the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® .

The exact terms of the different policies, including when they kick in and how much coverage they carry, vary by card, but the list of eligible parties does not.

Depending on which travel protection you're using, here's who your Chase cards cover:

Trip delay reimbursement: Includes the cardholder and their spouse or domestic partner and dependent children under age 26.
Trip cancellation/interruption insurance: Includes the cardholder and their immediate family members (even if the cardholder is not traveling).

Chase defines immediate family as "your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews."

The great thing about this, and one of the reasons why the Chase Sapphire Reserve is one of our favorite cards, is that these insurance benefits apply to family members even when they are not traveling with you.

Related: 7 times your credit card's travel insurance might not cover you

Which credit cards include travel insurance?

Many credit cards offer travel insurance. Here are some of our favorites:

Amex Platinum
American Express® Gold Card
Capital One Venture X Rewards Credit Card
Chase Sapphire Preferred Card
Chase Sapphire Reserve
Ink Business Preferred® Credit Card

For more information, check out our list of the best cards with travel insurance .

Related: 4 times your credit card's travel insurance can help with summer travel woes, and 7 times it won't

Bottom line

Travel insurance is included on many cards and can offer peace of mind in case of the unexpected. This insurance generally covers your spouse or partner and, in some cases, your immediate and extended family.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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How Does Travel Insurance Work On Credit Cards

Published: December 18, 2023

Modified: December 28, 2023

by Lucille Ketcham

Sustainability

Introduction

Traveling can be an exhilarating experience, offering the opportunity to explore new destinations, immerse oneself in diverse cultures, and create unforgettable memories. However, amidst the excitement of planning a trip, it's crucial to consider the potential unforeseen circumstances that could disrupt your travel plans. From flight cancellations to medical emergencies, a myriad of unexpected events can occur while traveling. This is where travel insurance comes into play, providing a safety net for travelers.

When it comes to travel insurance, many people are unaware that their credit cards may offer valuable coverage. Credit card companies often provide various types of travel insurance as a complimentary benefit to cardholders. Understanding how travel insurance works on credit cards can be immensely beneficial, potentially saving travelers from financial losses and offering peace of mind during their journeys.

In this comprehensive guide, we will delve into the intricacies of travel insurance coverage offered by credit cards. We will explore the different types of travel insurance provided, the process of activating this coverage, making claims, and essential tips for utilizing travel insurance on credit cards effectively. By the end of this article, you will have a clear understanding of how to leverage the travel insurance benefits provided by your credit card, ensuring a well-protected and worry-free travel experience.

Understanding Travel Insurance Coverage

Travel insurance serves as a safeguard against a wide range of potential mishaps that can occur before or during a trip. It typically covers expenses related to trip cancellations, interruptions, and delays, as well as emergency medical and dental care, medical evacuations, and loss or damage of baggage or personal belongings. Additionally, some travel insurance policies may include coverage for accidental death or dismemberment during travel.

When it comes to travel insurance coverage offered by credit cards, it’s essential to understand the specific benefits and limitations provided by different card issuers. While the coverage varies among credit cards, it commonly includes trip cancellation and interruption insurance, travel accident insurance, lost luggage reimbursement, and car rental insurance. It’s important to carefully review the terms and conditions of your credit card’s travel insurance to ascertain the extent of coverage and any exclusions that may apply.

One of the key advantages of travel insurance on credit cards is that it is often provided as a complimentary benefit to cardholders who use their credit cards to purchase travel-related expenses, such as airfare, hotels, or rental cars. This can potentially save travelers the cost of purchasing a separate travel insurance policy, making it a valuable perk for those who frequently embark on journeys.

It’s worth noting that the coverage provided by credit cards may have certain limitations, such as restrictions on the duration of trips covered, maximum reimbursement limits, and specific conditions for eligibility. Understanding these nuances is crucial for maximizing the benefits of travel insurance on credit cards and ensuring that the coverage aligns with your travel needs.

By having a clear grasp of the scope of travel insurance coverage offered by credit cards, travelers can make informed decisions when planning their trips and feel more confident in dealing with unexpected situations that may arise while traveling.

Types of Travel Insurance Offered by Credit Cards

Credit cards often provide a range of travel insurance benefits to cardholders, offering protection and peace of mind during their journeys. The types of travel insurance offered by credit cards may vary, but they commonly include the following:

Trip Cancellation and Interruption Insurance: This type of coverage reimburses cardholders for non-refundable trip expenses in the event of trip cancellation or interruption due to covered reasons, such as illness, severe weather, or other unforeseen circumstances. It helps mitigate the financial impact of unexpected trip disruptions.
Travel Accident Insurance: In the unfortunate event of an accident while traveling, this insurance provides benefits for accidental loss of life, limb, sight, speech, or hearing. It offers a layer of protection for cardholders and their families in the event of a covered travel-related accident.
Lost Luggage Reimbursement: This coverage reimburses cardholders for the cost of replacing essential items if their checked or carry-on luggage is lost, damaged, or stolen during travel. It helps alleviate the inconvenience and financial burden associated with lost belongings.
Car Rental Insurance: Many credit cards offer coverage for rental car damage or theft when the card is used to pay for the rental. This can potentially save travelers from having to purchase the rental company’s insurance, providing cost savings and added convenience.

It’s important for cardholders to familiarize themselves with the specific details and limitations of each type of travel insurance offered by their credit cards. Understanding the coverage provided for each type of insurance can help travelers make informed decisions and effectively utilize these benefits to enhance their travel experiences.

By leveraging the diverse types of travel insurance offered by credit cards, travelers can mitigate risks, protect their financial investments in travel, and navigate unexpected challenges with greater confidence and security.

How to Activate Travel Insurance on Credit Cards

Activating travel insurance on credit cards is a crucial step in ensuring that cardholders are eligible for the coverage provided. While the specific activation process may vary depending on the credit card issuer, there are general guidelines that can help cardholders activate their travel insurance effectively.

1. Review the Terms and Conditions: Before planning a trip, cardholders should carefully review the terms and conditions of their credit card’s travel insurance. This includes understanding the requirements for activating the coverage, such as using the credit card to pay for travel expenses or meeting certain eligibility criteria.

2. Use the Credit Card for Travel Purchases: In most cases, using the credit card to pay for travel-related expenses, such as airline tickets, hotel reservations, or car rentals, is a prerequisite for activating the travel insurance coverage. Cardholders should ensure that they use the eligible credit card for these transactions to qualify for the insurance benefits.

3. Check for Automatic Activation: Some credit cards automatically provide travel insurance coverage to cardholders without requiring any additional steps. However, it’s essential to confirm this with the credit card issuer and understand any specific conditions that apply to the automatic activation of travel insurance.

4. Register or Enroll if Necessary: Certain credit cards may require cardholders to register or enroll in the travel insurance program before their trips to activate the coverage. This may involve filling out an online form, contacting the credit card issuer, or following specific registration procedures outlined in the card’s terms and conditions.

5. Keep Documentation Handy: It’s advisable for cardholders to retain documentation of their travel purchases made with the credit card, such as receipts and booking confirmations. These documents may be necessary when making a claim on the travel insurance or proving eligibility for coverage.

By following these steps and understanding the activation requirements for travel insurance on their credit cards, cardholders can ensure that they are well-prepared to access the insurance benefits when needed. This proactive approach can contribute to a smoother and more secure travel experience, offering valuable protection against unforeseen events.

Making a Claim on Travel Insurance

When unexpected incidents occur during a trip, such as flight cancellations, medical emergencies, or lost luggage, it may become necessary for travelers to make a claim on their credit card’s travel insurance. Understanding the process of filing a claim and the necessary steps to take can help travelers navigate these challenging situations effectively.

1. Notify the Credit Card Issuer: In the event of an incident that may lead to a travel insurance claim, cardholders should promptly contact their credit card issuer to report the situation and initiate the claims process. This may involve reaching out to the customer service department or the designated claims assistance hotline provided by the credit card issuer.

2. Provide Documentation: When making a claim, travelers will typically be required to submit supporting documentation, such as receipts, medical reports, police reports (in the case of theft), and any other relevant evidence related to the incident. It’s essential to gather and organize these documents to substantiate the claim effectively.

3. Complete Claim Forms: Credit card issuers often require claimants to complete specific claim forms detailing the nature of the incident, the expenses incurred, and other pertinent details. It’s important to accurately and comprehensively fill out these forms to facilitate the processing of the claim.

4. Follow Claim Deadlines: Each credit card’s travel insurance policy may stipulate specific deadlines for filing a claim after the occurrence of an incident. Travelers should be mindful of these deadlines and strive to submit their claims within the designated time frame to avoid potential claim denials due to late filings.

5. Communicate Effectively: Throughout the claims process, maintaining clear and open communication with the credit card issuer and the claims department is crucial. This includes providing any requested additional information, responding to inquiries promptly, and staying informed about the progress of the claim.

By adhering to these guidelines and understanding the claim process for travel insurance on their credit cards, travelers can navigate unforeseen challenges with greater confidence, knowing that they have a recourse to mitigate the financial impact of unexpected incidents during their travels.

Tips for Using Travel Insurance on Credit Cards

Effectively leveraging the travel insurance benefits provided by credit cards can significantly enhance the overall travel experience and provide invaluable protection against unforeseen circumstances. To make the most of this coverage, consider the following tips:

Understand the Coverage: Familiarize yourself with the specific details of the travel insurance offered by your credit card, including the types of coverage, limitations, and eligibility requirements. This understanding will enable you to make informed decisions and avoid potential gaps in coverage.
Use the Eligible Credit Card for Travel Purchases: To activate the travel insurance benefits, ensure that you use the eligible credit card to pay for your travel expenses, such as airfare, accommodations, and rental cars. This is often a prerequisite for accessing the insurance coverage.
Keep Documentation: Retain documentation of your travel purchases, including receipts and booking confirmations. These documents may be essential when making a claim on the travel insurance, so having them readily available can expedite the claims process.
Be Aware of Exclusions: Understand the exclusions and limitations of the travel insurance coverage. Certain activities, pre-existing medical conditions, or high-risk destinations may not be covered. Being aware of these exclusions can help you plan and make informed decisions while traveling.
Know the Claim Process: Familiarize yourself with the process of filing a claim on the travel insurance. Understand the necessary steps, documentation requirements, and claim deadlines. Being prepared to navigate the claims process can alleviate stress in the event of an unforeseen incident.
Explore Additional Benefits: In addition to travel insurance, credit cards may offer supplementary benefits such as concierge services, travel assistance, and emergency support. Take advantage of these perks to enhance your travel experience and address any unforeseen challenges that may arise.
Consider Complementary Coverage: Evaluate the extent of coverage provided by your credit card’s travel insurance and determine if additional insurance may be necessary for specific aspects of your trip, such as medical coverage or trip cancellation protection beyond the card’s limits.

By following these tips, travelers can optimize the benefits of travel insurance on their credit cards, ensuring a more secure and well-protected travel experience while maximizing the value of their credit card perks.

Travel insurance offered by credit cards presents a valuable opportunity for travelers to safeguard their journeys and mitigate the financial risks associated with unforeseen events. Understanding the nuances of this coverage, from the types of insurance provided to the activation process and claims procedures, empowers travelers to make informed decisions and effectively leverage these benefits.

By comprehensively grasping the coverage offered by their credit cards, travelers can embark on their adventures with greater peace of mind, knowing that they have a safety net in place to address potential disruptions. From trip cancellations and medical emergencies to lost luggage and rental car mishaps, the diverse types of travel insurance provided by credit cards offer a layer of protection that can make a significant difference during challenging situations.

Moreover, the proactive approach of familiarizing oneself with the activation requirements, maintaining documentation, and understanding the claim process ensures that travelers are well-prepared to navigate unexpected incidents and access the insurance benefits seamlessly. This level of readiness contributes to a more secure and confident travel experience, allowing travelers to focus on the enjoyment of their trips without undue worry.

Ultimately, by following the tips for using travel insurance on credit cards and being mindful of the coverage details, travelers can optimize the benefits provided by their credit cards and enhance the overall quality of their travel experiences. Whether it’s exploring new destinations, embarking on business trips, or visiting loved ones, having travel insurance on credit cards serves as a valuable ally, offering protection and support throughout the journey.

With a comprehensive understanding of travel insurance on credit cards, travelers can embark on their adventures with the assurance that they have a reliable safety net in place, ready to address unforeseen challenges and ensure a smoother and more secure travel experience.

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Credit Cards
Credit Card Basics

How Does Credit Card Travel Accident Insurance Work?

Know the key coverages before you leave

What Is Travel Accident Insurance?

What Does Credit Card Travel Accident Insurance Cover?

What Does Credit Card Travel Accident Insurance Not Cover?

How to file a travel accident claim, do i need travel accident insurance on my credit card.

Ippei Noei / Getty Images

We already know that travel is stressful. From planning to budgeting to packing, going on a trip involves a great deal of effort. Although it’s worth it in the end, juggling all the details can leave you feeling overwhelmed—especially when things go awry.

Fortunately, certain credit cards can offer aid in these circumstances. Depending on your card issuer, you may be eligible for credit card travel accident insurance. This insurance will cover you and your immediate family members in case of severe injury or death while you travel.

Credit card travel accident insurance is a benefit offered by a variety of card issuers. This insurance offers a payout in cases of severe injury or death for you and your family members while traveling. The maximum benefit varies based on the card you have, how you sustain your injuries, how severe those injuries are, and if you sustained them in transit or during a non-travel period of your trip.

Issuers That Offer Cards With Travel Accident Insurance

Chase offers travel accident insurance on many of its travel cards. The Chase Sapphire Reserve offers a maximum payout of up to $1 million depending on when and where the accident happens. Other Chase cards provide coverage up to $500,000:

Chase Sapphire Preferred
World of Hyatt
Marriott Bonvoy Bold
United Quest

Capital One’s Visa Signature cards offer up to $250,000 in coverage, while its World and World Elite Mastercard options provide up to $1 million.

Barclays credit cards provide travel accident insurance, but the coverage amounts and benefits vary based on which network (Visa or Mastercard) the card is part of, a Barclays representative told The Balance by email.

Most credit card policies offer “common carrier” travel accident insurance, which covers you while you’re entering, exiting, or riding as a passenger on a common carrier (plane, bus, taxi, courtesy shuttle, etc.). Chase Sapphire cards, however, offer 24-hour travel accident insurance. This insurance continues to cover you during the first 30 days of your trip. For trips longer than 30 days, check your guide to benefits for coverage limits.

Not every credit card has travel accident insurance. To find out if yours offers this service, check the guide to benefits that comes with your credit card. Within it, you’ll find all the perks your card offers, including travel accident insurance—if it’s available.

Fortunately for cardholders, it’s simple to qualify for your credit card’s travel accident insurance: Pay for the trip with your card. Some cards may specify that you’ll need to pay for the trip in full with your card, so splitting payments with other travelers may disqualify you. This doesn’t necessarily apply to using points or vouchers, so you can combine those with your card payment and still be eligible for travel accident insurance.

If you are involved in an accident while traveling or preparing for transit to and from your destination, you’ll need to file a claim with the credit card issuer’s benefits administrator. If the benefits administrator approves your claim, you or your beneficiaries will receive a cash benefit within the limits of the benefit.

What Does Credit Card Travel Accident Insurance Cover?

Warning: The following section contains information some readers may find disturbing.

In general, credit-card travel accident insurance covers accidental loss of life, limb, sight, speech, or hearing. Credit card issuers tend to have very specific rules for the maximum benefit you can receive based on when injury or death occurs.

For example, Chase travel accident insurance covers:

Loss of at least four fingers above your middle knuckle, even if the fingers are reattached.
Loss of at least three fingers and your thumb above their middle knuckles, even if the fingers are reattached.
Permanent loss of vision in one or both eyes, where remaining eyes have 20/200 vision or worse.
Loss of feet severed at or above the ankle joint.
A death that occurs during travel, or that occurs because of the accident within 365 days of the incident.
Injury caused by accidental consumption of a substance contaminated by bacteria.

Coverage amounts for each injury depend on the severity of the injury. Travel insurance available on Capital One Visa Signature cards pays out the full $250,000 for accidental loss of life, two or more body parts, and sight in both eyes, but only pays $125,000 for the loss of one body part, sight in one eye, and speech or hearing.

Your card’s guide to benefits has all the specific details about what is covered and coverage amounts. If you have any questions, call the benefits administrator listed in the benefits guide.

In most cases, your travel accident insurance won’t cover injuries or death that happen during certain types of activities.

Capital One Visa Signature cards don’t cover death or injury resulting from war, acts of terrorism, travel between your residence and work, and flights on planes owned by Capital One Financial.

The Chase Sapphire Reserve doesn’t cover death or injury resulting from the commission of an illegal act, parachute jumping and vehicular races, sporting events in which there is a cash prize, and trips taken on aircraft that don’t have government registration or certification.

Neither Capital One nor Chase cover the cost of emotional trauma, mental illness, disease, pregnancy, childbirth, or miscarriage.

If you find yourself in an accident resulting in an injury severe enough to warrant using your travel accident insurance, then you’ll need to file a claim. The process for filing a claim varies by card. Chase and Capital one, for example, both require you to file a written claim within 20 days after your accident.

Credit-card issuers typically use a third-party insurance company to handle travel accident claims. The company's contact information should be available in your card’s benefits guide.

The benefits administrator or insurance company will send you forms within a defined period. You’ll need to return them soon thereafter to receive your payout, although you may get leeway if you aren’t able to respond quickly because of your injuries. Documents you may have to provide include:

Completed and signed claim form
Travel itinerary
Police report confirming the claimed accident
The credit card account statement showing the charge for the common carrier or scheduled airline fare
Copy of the death certificate

Be sure to check with your card issuer for specific details about filing a travel accident claim.

Finally, be aware that filing a claim for your travel accident insurance isn’t affected by any other health or travel insurance that you possess. You’ll receive your payout regardless of other coverages you have.

Since credit card travel accident insurance covers instances of severe injury or death, it may make sense for you if you’re a frequent traveler and would like a supplement to a life insurance policy.

If that doesn’t sound like something that applies to you, you may want to look for a credit card that provides a different type of travel insurance. Cards like the Platinum Card from American Express offer benefits such as a global assistance hotline through which you can arrange for emergency medical evacuation at no cost to you. Additional types of insurance include trip delay or trip cancellation insurance , which can reimburse in the case of lost luggage , missed flight connections, or delayed flight departures.

Chase. " Sapphire Reserve Travel Benefits ."

Chase. " Marriott Bonvoy Bold Benefits ."

United Quest Card. " Travel Protection ."

World of Hyatt Credit Card. " Travel Protection ."

Chase Sapphire Preferred. " Travel Accident Insurance ."

Capital One. " Your Guide to Benefits: Visa Signature Card ," Page 8.

Capital One. " Capital One World Mastercard Guide to Benefits ," Page 12.

Capital One. " Capital One World Elite Mastercard Guide to Benefits ," Page 12.

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

Travel insurance can provide financial protection if things go wrong before or during a trip.
You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

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What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

All about booking with Capital One Travel

article | 7 min read

Are travel credit cards worth it?

article | January 9, 2024 | 7 min read

Understanding What Travel Insurance Covers

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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Travel insurance is intended to cover risks and financial losses associated with traveling.
Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance .

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back.

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

Understanding What Travel Insurance Covers

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Caught in southwest airlines' holiday meltdown credit card insurance benefits could come to your rescue, a credit card with strong travel protection can save you a bundle when your flight is canceled..

If you're stranded in the middle of the Southwest Airlines crisis, your wallet may be feeling the impact of your upended travel plans. Luckily, it may also contain a possible solution.

For more than a week, Southwest has suffered through a historic meltdown that's wrecked both its reputation and the travel plans of passengers. Mass cancellations and delays have sent hundreds of thousands of people scrambling to rebook flights and accommodations. To add insult to injury, many have also been separated from their luggage.

The airline might reimburse passengers some of the costs they’ve incurred as a result of disrupted travel plans. But if you’ve booked your Southwest flight with a credit card that offers travel insurance , you may have better chances of getting your money back. Here’s what Southwest may agree to cover — and how your credit card might help if the airline falls short of your expectations.

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How to get reimbursed by Southwest Airlines

Before you reach out to your credit card issuer for help, make sure you get in touch with Southwest first. Federal law requires the airline to offer you a refund on a flight that they've canceled, so you should be able to get your money back for your ticket.

“Southwest is refunding canceled flights, but travelers may have been hit with other costs,” says Bobbi Rebell, CFP and author of “Launching Financial Grownups.” The airline says it “will honor reasonable requests for reimbursement for meals, hotel, and alternate transportation.” But there's no definition of what’s considered "reasonable" or any timeframe for when travelers may expect to hear back about their requests.

"In other words, there are no guarantees," says Rebell.

Any Southwest passenger affected by a flight cancellation or significant delay between Dec. 24, 2022, and Jan. 2, 2023 can submit receipts for additional expenses via email on the airline's website .

If you don't have any luck with Southwest, check which credit card you’ve used to pay for the flight and extra expenses. Depending on the travel protection benefits it offers, you could still get back some money.

How a credit card with travel insurance can help

Travel insurance can keep you covered when your travel plans go awry for reasons beyond your control and you incur additional expenses as a result. Some premium travel credit cards offer this type of coverage as a benefit.

A credit card can come with several types of travel protections , but the following three can be especially helpful in the Southwest crisis (or a similar one):

Trip delay insurance , which can reimburse you for meals and lodging when your trip is delayed.
Trip cancellation and interruption insurance , which can cover eligible travel expenses if your trip is canceled or cut short.
Baggage insurance , which can cover damage or loss of your luggage or select items, such as toiletries or clothes, or if your luggage delayed.

The cards that offer all three of these travel protections include the Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® and the Bank of America® Premium Rewards® credit card. So, if Southwest fails to reimburse you for lost luggage or for lodging expenses while you’re stranded, one of these cards can help.

Chase Sapphire Preferred® Card

Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

22.49% - 29.49% variable

5%, minimum $5

Read our Chase Sapphire Reserve® review.

Bank of America® Premium Rewards® credit card

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.

Receive 60,000 online bonus points — a $600 value — after you make at least $4,000 in purchases in the first 90 days of account opening.

20.24% - 27.24% variable APR

4% of the amount of each transaction

Information about the Bank of America® Premium Rewards® credit card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

How to use credit card travel insurance

To use travel protections available with your credit card, make sure you purchase your airplane tickets with that card. Otherwise, the coverage won’t apply.

Next, check your credit card’s benefits guide. This will have all the information on the type and amounts of insurance available to you, as well as how long you have to submit a claim.

“There are big differences in coverage depending on which card you have, so it's essential to read the fine print ahead of time and understand what is and is not covered,” Rebell says.

For example, in the case of trip cancellation or interruption, the Chase Sapphire Preferred or Reserve cards can reimburse you for up to $10,000 per person and $20,000 per trip for eligible pre-paid, non-refundable travel expenses, including transportation, tours and lodging. The Bank of America Premium Rewards, on the other hand, can only cover up to $2,500 for non-refundable passenger fares.

You can also call your credit card issuer and talk about your specific situation to ensure that coverage will apply.

Once you know what coverage you're entitled to, get your documentation in order. Gather up all the receipts for purchases you want to receive reimbursement for. You also should have records showing any loss that has occurred and communication with the travel provider proving it has failed to reimburse you.

With your documents ready, you can file a claim. This usually involves getting in touch with your issuer's benefits administrator and filling out a claim form you can submit with all the evidence you’ve gathered. Sometimes, you can also begin the process online. Check your benefits guide for specific instructions and contact information.

After you submit the claim, all that’s left to do is to wait for the issuer’s decision. If all goes well and the bank approves your claim, they’ll be in touch to explain how you’ll receive the funds.

Bottom line

The holiday travel season has been especially messy this year, with the Southwest crisis still affecting countless passengers. If a canceled flight or delayed luggage has put a strain on your budget, and you’re worried the airline won’t help, your travel credit card might offer a solution.

If your credit card doesn’t offer travel insurance but you travel often, it might make sense to look into cards with this benefit for your future trips.

“We’ve all learned that when it comes to an airline meltdown such as this one, there's only so much we can control,” Rebell says. “While some travel credit cards with insurance can be pricey, the peace of mind... can be priceless.”

Information about the Bank of America® Premium Rewards® has been collected independently by Select and has not been reviewed or provided by the issuer prior to publication.

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AXA Travel Insurance Review — Is it Worth It?

Jessica Merritt

Editor & Content Contributor

86 Published Articles 489 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

Keri Stooksbury

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AXA Travel Insurance Review — Is it Worth It?

Why Get Travel Insurance?

Travel insurance and covid-19, types of policies available with axa, how to get a quote, axa vs. credit card travel insurance, axa vs. other travel insurance companies, how to file a claim with axa travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling the world or crossing state lines, travel insurance such as the policies offered by AXA Travel Insurance can offer a safety net in case you have to cancel or interrupt your trip or need support along the way for medical emergencies, lost bags, or missed connections.

For more than 60 years, AXA Travel Insurance has provided peace of mind and financial stability to travelers. With solid ratings and underwriting by Nationwide Mutual Insurance, travel insurance plans sold by AXA are backed by an A.M. Best Excellent financial strength rating. AXA offers travel insurance with trip interruption and cancellation coverage, medical emergency and evacuation benefits, lost or delayed baggage, and more.

Let’s examine AXA’s travel insurance coverage options, benefits, and service and compare it to alternatives such as credit card travel coverage and other travel insurance providers.

Travel insurance can protect what you’ve invested in an upcoming trip. When the unexpected occurs, such as a trip cancellation or medical need , travel insurance can offer the benefits you need to cover it.

You might choose travel insurance for these reasons:

Your trip has deposits or payments that you can’t get refunded if you need to cancel your trip.
The health insurance you use at home doesn’t work at your destination.
You’re planning activities that aren’t covered by your health insurance.
Medical care is subpar at your destination and you may need to be evacuated to another location with adequate medical facilities.
You’re concerned about the possibility of lost bags, delays, or missed connections, especially if you have multiple flights or transfers.

Travel insurance isn’t necessary for every trip, such as if you’re traveling domestically where your health insurance works and you don’t have major nonrefundable expenses. But travel insurance is worth it if you’ve got a lot of nonrefundable expenses invested in your trip or you’ll need medical coverage at your destination.

COVID-19 can interrupt your travel plans, whether you get sick and have to cancel a trip, need to quarantine or get medical treatment while traveling, or plan to visit a destination with high COVID-19 numbers. While some travel insurance companies exclude COVID-19 from insurance coverage , AXA offers COVID-19 coverage as part of its travel protection plans , including trip cancellation and trip interruption and emergency medical and evacuation coverage.

Why Purchase Travel Insurance From AXA?

Any travel insurance company you purchase a policy from should be reputable, reliable, and stable. After all, you’re relying on the company to be there for you when you need it most. It pays to verify reviews and ratings — AXA offers good reassurance in this area.

With 64 years in business, AXA has an A- Better Business Bureau rating . On the travel insurance website Squaremouth , AXA has an overall 4.22/5 rating , with 0.1% negative reviews among more than 69,000 policies sold . AXA’s travel insurance plans are backed by Nationwide Mutual Insurance, which has an A (Excellent) financial strength rating from financial rating company A.M. Best. With 6 decades in business and solid ratings , AXA is a travel insurance company you can trust.

AXA offers travel insurance with medical and emergency evacuation benefits, trip cancellation and interruption, baggage loss, and Cancel for Any Reason (CFAR) options. Let’s look at the details of AXA travel insurance policies.

AXA offers 3 levels of travel insurance : Silver, Gold, and Platinum . Each level offers different limits, but all of AXA’s policies have 100% trip cancellation coverage, emergency medical coverage and medical evacuation, baggage delay and loss, and missed connection coverage.

Let’s compare what you get with each policy:

With plans as low as $16 and minimal coverage, AXA recommends the Silver plan for domestic travel. You can cover 100% of your trip cost for trip cancellation and interruption coverage. If your travel is delayed, you can get up to $100 per day for expenses, up to $500 total, and $200 for delayed baggage.

There’s also $500 in missed connection coverage. The $25,000 in emergency medical expense coverage isn’t much, but it might be adequate for domestic travel if you’re using your primary health insurance first.

Gold plans start at $36 but add more coverage and are appropriate for cruises or Schengen travel . Like the Silver plan, the Gold plan offers up to 100% trip cancellation coverage but bumps trip interruption to 150% of your trip cost. Limits for all coverages are higher, with $200 per day and $1,000 maximum in trip delay coverage and $1,000 for missed connections. Baggage delays offer up to $300, and you can get up to $1,500 for lost baggage and personal effects.

The health coverage is also much higher at $100,000, and it adds a $50,000 non-medical emergency evacuation option on top of the $500,000 medical emergency evacuation benefit. This plan also offers an optional $35,000 collision damage waiver.

The Platinum plan , starting at $52, steps up coverage and offers additional options. You’ll get 100% trip cost coverage for trip cancellation and 150% for trip interruption. Trip delay coverage offers up to $300 per day and a $1,250 maximum, plus $600 for baggage delays and $3,000 for lost baggage and personal effects.

Emergency medical treatment is also higher at $250,000, and you’re covered for $1 million in emergency medical evacuation — $100,000 for non-medical evacuation.

The Platinum plan also offers additional coverage for sports, with $25 per day for lost skier days, $500 for lost golf rounds, and $1,000 for sports equipment rental. It also offers optional coverage for up to 75% of trip cost with Cancel for Any Reason coverage and a $50,000 collision damage waiver.

You can get a quote directly from AXA by visiting the AXA Travel Insurance website . The quote form is the first thing you’ll see on the homepage.

To start your quote, you’ll fill out the quote form, including your state of residence, destination country, travel dates, first deposit date, total trip cost, number of travelers (up to 10), and the age of travelers.

Once you fill out the form, you’ll be presented with plan options. For a 60-year-old visiting Japan and spending $2,500, we were offered a Silver ($155), Gold ($183), or Platinum ($218) plan .

If you select a Platinum plan, you will be able to add CFAR optional coverage for up to 75% of your trip cost.

With your plan and options selected, the next and final step to secure coverage is entering your traveler information including your name and contact information, then making your payment for the policy.

How AXA Compares — Summary

AXA is a good option for travel insurance, but it’s not your only option. Let’s see how AXA compares to the coverage you can get from popular travel credit cards and travel insurance competitors .

Many travel credit cards offer travel insurance as a complimentary benefit, whether it’s car rental collision waivers , trip cancellation coverage , or emergency medical and evacuation benefits. This coverage can be helpful if you’re using your card to pay for your travel expenses, but it’s often not as comprehensive as the coverage you can get from a travel insurance policy like what AXA offers .

Let’s compare AXA’s best travel insurance policy against The Platinum Card ® from American Express and the Chase Sapphire Reserve ® , which both offer some of the best travel protections available with credit card benefits.

Unless you’re taking a trip with expenses higher than $10,000, the trip cancellation coverage should be about the same whether you’re using an Amex Platinum card, Chase Sapphire Reserve card, or the AXA Platinum plan. However, the AXA Platinum plan comes out ahead with 150% of your trip cost for trip interruption.

We see a major difference in coverage for emergency medical treatment and evacuation. The Amex Platinum card doesn’t offer emergency medical coverage, but you can arrange an emergency medical evacuation using the Premium Global Assist Hotline. The Chase Sapphire Reserve card offers up to $2,500 in emergency medical coverage and $100,000 for emergency evacuation. Neither of these offerings compares to the $250,000 in emergency medical coverage and $1 million in emergency medical evacuation coverage you can get from AXA Platinum.

Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It’s a good idea to use your card’s travel insurance as a backup for trip cancellation, interruption, travel delays, or lost baggage, but use the AXA Platinum plan for its superior emergency medical and evacuation coverage.

It’s always a good idea to compare travel insurance quotes across multiple providers so you can find the best price and coverage. We used Squaremouth , a travel insurance comparison website, to see how AXA’s policies compare to those of other companies.

As with the initial price quotes we pulled from AXA’s website, our sample trip on Squaremouth had:

Traveling to Japan a month from now
Trip cost: $2,500
Initial trip deposit paid within the last 24 hours
State of residence: Texas

We limited results to policies that offer at least as much coverage as the AXA Platinum policy does on major benefits:

COVID-19 coverage
Minimum $250,000 emergency medical benefit
Minimum $1 million emergency medical benefit
100% trip cancellation
150% trip interruption

Each policy offered nearly identical coverage for these major benefits, and Tin Leg ‘s Silver plan had the lowest cost at $164.35, followed closely by $165.84 from HTH Worldwide ‘s TripProtector Classic plan.

If you’re mainly concerned with full coverage for trip cancellation and interruption along with $250,000 in emergency medical and $1 million for emergency medical evacuation, you can save if you go with Tin Leg .

However, the higher-priced policies offer additional coverage and options. For example, AXA Platinum offers the option to add Cancel for Any Reason coverage and includes sports equipment rentals and missed ski days or golf rounds. Tin Leg doesn’t have missed connection coverage, but Seven Corners Trip Protection Choice and AXA Platinum offer up to $1,500 for missed connections on cruises or tours.

All of the policies we quoted except for Tin Leg Silver offer employment layoff as a covered cancellation reason, and AXA Platinum allows you to cancel your trip for work reasons, though none of the other policies do. AXA Platinum also offers $100,000 in non-medical evacuation , which Tin Leg Silver and HTH Worldwide TripProtector Classic policies do not, and is much higher than the $20,000 benefit offered by the Seven Corners Trip Protection Choice policy.

AXA Platinum has a higher cost than competitors but offers more robust coverage. If you’re mainly concerned with major coverage for trip cancellation and interruption, emergency medical, and emergency evacuation, other travel insurance companies may offer a better quote. But if you want additional coverage and options such as non-medical evacuation and expanded cancellation reasons, check out the details on what AXA Platinum offers.

You can file a claim with AXA in a few ways:

Using the claim administrator portal

If you’d like to file your claim online, you can visit the portal for Co-Ordinated Benefit Plans and enter your policy number and last name to get started.

AXA travel insurance claims administrator portal

Alternatively, you can call AXA toll-free at 888-957-5015 or collect at 727-450-8794 .

If you’d like to submit your claim via email or mail, you can download claim forms on the AXA website.

Once you download the claim form, you’ll get a list of documents required for submitting your travel insurance claim, along with mail or email info. For example, on a trip interruption claim form, AXA requires you to send in:

Completed claim form
Policy verification
Booking confirmation, such as a ticket or proof of purchase
Your original unused, nonrefundable tickets
Your new ticket with confirmation of early return
A cancellation statement from travel suppliers
A medical report or physician statement if you interrupted the trip due to medical necessity
Death certificate, if applicable
Documentation of circumstances that led to trip interruption
Documentation of reimbursement request expenses, such as receipts or credit card statements

You can email the form and other required documents to [email protected] or mail to:

AXA Assistance USA On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

AXA Travel Insurance is a reliable option with more than 6 decades of experience and solid ratings. There are 3 levels of coverage to choose from — Silver, Gold, and Platinum — that offer varying levels of coverage and options. AXA Travel Insurance isn’t the cheapest option, but it offers robust coverage options and reputable service, so it can be a good choice if you’re looking for enhanced travel protection.

For the premium global assist hotline benefit of The Platinum Card ® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. 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.

For the trip delay insurance benefit of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the axa silver travel insurance plan provide coverage for a safari.

Yes, AXA’s travel insurance policies offer coverage for safaris, including emergency medical expenses. Safaris are under the sports and activities covered for emergency medical and repatriation costs and personal accidents.

Is AXA travel insurance worth it?

AXA travel insurance can be worth it if you need coverage for significant nonrefundable expenses or your health coverage doesn’t extend to your destination. Competitors may offer lower cost policies for similar major coverage, but AXA may have greater policy options, so it’s a good idea to compare your options.

Is AXA travel insurance good for a Schengen visa?

AXA recommends its Gold plan or higher for Schengen travel.

Is AXA an international insurance?

Yes, you can use AXA for international travel , with coverage for countries in Europe, Asia and Pacific islands, the U.S. and Canada, Africa and the Middle East, Latin America, and the Caribbean.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Credit cards
Personal Finance

How Does Credit Card Travel Insurance Work?

What is credit card travel insurance?
Types of credit card travel insurance
Getting free travel insurance with a credit card
Is there a catch with credit card travel insurance?

Travelling is a normal part of life for many Australians. As an adventurous nation, the annual overseas trip is a familiar ritual for many. Travel insurance is essential for international travellers to protect the journey and prevent unexpected financial costs. From accidents and emergency medical care to missed flights, lost baggage and coverage for belongings, credit cards with travel insurance may help safeguard your next adventure.

What is credit card travel insurance?

Travel insurance is available through online providers, travel agents, insurance brokers, other insurers (private health, home and car), and even credit card companies . Most banks, including the Big Four and smaller institutions, offer complimentary travel insurance with some types of credit cards .

Whether you’re travelling with expensive camera gear, have a pre-existing condition or have little ones in tow, using a credit card overseas that comes with travel insurance can offer the peace of mind that you’re covered if anything goes wrong. Although Australia has a strong public health system, the government doesn’t protect you while overseas. So, travellers are responsible for hospital bills and return flight costs if injured or sick.

Many travel credit cards include international travel insurance. Some banks also offer paid coverage for those with more extensive needs. Before choosing a policy, you’re best to check what is covered, any limits, excesses, and exclusions, and then discuss any pre-existing conditions. With the right insurance, you and your family could have coverage for unlimited overseas emergency medical assistance, cancellations, travel delays, and lost luggage and personal belongings.

Banks provide policies from partner insurers (similar to how banks have partner airlines for frequent flyer programs ). For example, NAB’s travel insurance provider is Allianz, whereas ING partners with Auto & General.

If you don’t have a credit card with travel insurance, you may be able to purchase a policy from your bank. For example, CommBank has a handful of credit cards with complimentary international travel insurance for cardholders, their spouse and accompanying children. It also offers standalone policies that customers can buy independently.

Types of credit card travel insurance

Credit cards come with various protections, including international travel insurance, overseas transit accident insurance, interstate flight inconvenience insurance and rental vehicle excess insurance.

Keep in mind the most common insurable events:

flight cancellations and delays
missing a connecting flight
medical treatments and emergency care
lost, damaged or stolen luggage/personal items
trip cancellation before departure.

It’s essential to do your due diligence because every bank and insurer will differ in coverage. If you’re applying for a credit card to access complimentary travel insurance, make sure you check what’s covered (and how much) before submitting an application.

For instance, Westpac offers certain cardholders access to these four insurance types. If you hold an Altitude Platinum card, you’re eligible for up to three months of international travel insurance, overseas transit accident insurance to cover injuries or death, rental vehicle excess insurance up to $5,500 and interstate flight inconvenience insurance for cancellations and delays. There are, however, caveats — such as purchasing the tickets on your credit card or prepaying $500 off your travel costs to your eligible card.

It’s helpful to check the definitions of the primary travel insurance policies to see which ones apply to you. In most instances, a broad international travel insurance policy suffices. For example, the CommBank travel insurance covers rental vehicle insurance, so a separate policy might not be necessary.

Getting free travel insurance with a credit card

Most banks offer complimentary travel insurance with select credit cards. Start your research with the Big Four banks.

ANZ Platinum and Black credit cards come with international and domestic travel insurance, including five on the market.

What does it cover?

overseas emergency medical and dental expenses
cancellation and additional expenses
loss or damage of luggage and travel documents
accidental death and permanent disability
loss of income
personal liability.

Domestically, cardholders enjoy protections for:

cancellations
travel delays
luggage delays.

Most policies cover similar travel requirements, but it is essential to check the limits, excesses, and terms and conditions. Review policies for pre-existing conditions and age limits and cover for specific activities while overseas, such as adventure sports.

How to activate and claim

Activate your travel insurance and make a claim online through the ANZ-Allianz portal.

CommBank

CommBank has seven credit cards (and the World Debit Mastercard) which include international travel insurance. You, your spouse and up to 10 accompanying children travelling with you are covered.

overseas medical benefits
accidental death — overseas funeral, cremation and body repatriation
cancellation costs
baggage and personal goods
travel delays
rental vehicle insurance
travel services provider insolvency
loss of income
hijack and kidnapping.

How to activate & claim

Activate your insurance in the CommBank app or NetBank. You can make a claim online or by calling Cover-More, CommBank’s partner insurer.

NAB customers must hold and use a personal NAB Signature, Platinum or Premium credit card or NAB Platinum Visa debit card. Spend $500 on trip-related expenses, and you could be entitled to free travel insurance for your spouse and any children travelling with you.

overseas medical and dental expenses
cancellation and additional expenses
luggage and personal items
extra travel cover, including delays
rental vehicle damage and theft excess
accidental death and loss of income
personal liability and legal expenses
kidnap and ransom.

Activate your travel insurance and make a claim online through NAB’s partner insurer, Allianz. You can make a claim via the NAB-Allianz portal.

Westpac

Westpac operates a two-tier structure for international travel insurance. Six credit cards fall under level one, and four under level two. Level one cards offer up to six months’ coverage, while level two provides up to three months. You must prepay $500 of your travel costs on your credit card and hold a return flight ticket. Allianz provides Westpac travel insurance.

overseas medical expenses, including hospital, ambulance and repatriation costs
stolen, damaged or lost luggage
rental vehicle access
travel document theft, loss or damage
personal liability, up to $2.5 million.

Activate your travel insurance and make a claim online through Westpac’s partner insurer, Allianz. If you’ve already returned home, call Allianz Global Assistance.

Is there a catch with credit card travel insurance?

Getting a credit card with complimentary travel insurance can save you hundreds on your next overseas trip. The partner insurers are well-known names with comprehensive coverage. Just be aware of the potential temptations of holding a credit card, especially if you’re trying to build your credit score , pay off debt or prefer to travel with your savings.

Credit cards with travel benefits, like insurance or airport lounge access , are some of the best in the category, so long as you’re confident using one.

» MORE: What is consumer credit insurance?

Frequently asked questions about credit card travel insurance

You must activate the insurance before you leave Australia. If you’re a CommBank customer, for example, start your insurance in the CommBank or NetBank app. It’s worth locating and printing your travel insurance policy before your trip.

In most instances, travel insurance should provide adequate coverage. If you have pre-existing conditions or specific requirements, it’s worth speaking with multiple providers.

About the Author

Amanda Smith is a freelance reporter, journalist, and cultural commentator. She covers culture + society, travel, LGBTQ+, human interest, and business. Amanda has written stories about planning for retirement for…

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Money latest: Supermarket caught out over 'fake farm'; bank boss reveals interest rate prediction

Our series on how to eat more healthily for less is back - and we're looking at breakfast. Read this and all the latest consumer and personal finance news below, plus leave a comment in the box.

Friday 3 May 2024 19:30, UK

Lidl rushes to remove 'fake farm' references after MP grilling
HSBC chair predicts when interest rate cut will come
Prescription charges rose this week - but there are ways to pay less
Weak US jobs news sparks rise in bets on interest rate cut

Essential reads

Mortgage rates are rising - here's everything you need to know if you're a first-time buyer right now
Which cereals have least sugar? Your guide to a healthier breakfast without paying a fortune
How to nab yourself a free upgrade on a flight
You're probably washing and storing your clothes wrong. Here's what you should do instead
Money Problem : 'Builders won't repair dodgy work - what are my rights?'

Ask a question or make a comment

A cash ISA offering an interest rate of 4.5% has been launched today by Melton Building Society .

The interest is paid annually on 31 March and can be added to the account, transferred to your bank account or transferred to an existing Melton savings account.

Here's what you need to know...

How do you open an account?

You must be a UK resident and be aged 16;
Accounts can be opened with a minimum amount of £25 and the maximum that can be held in this account is £500,000.

Can you withdraw money?

Yes, you can withdraw money as long as you give the bank 180 days' notice in branch, by post or phone

Once you have done this, all or part of the investments in the ISA, including any interest earned, will be transferred to you.

You can also access your money without giving notice, but you will be charged 180 days' interest on the amount you withdraw.

A lack of demand for new electric cars has led some brands to begin slashing prices.

Even some of the UK's best-selling electric cars are thousands of pounds cheaper than a year ago, according to Auto Trader figures shared with The Times .

Among the most heavily discounted vehicles are the Honda E, down 20% versus a year ago at £29,600, and the Peugeot E-2008, which has fallen in price by 15% to £30,000.

The Vauxhall Corsa-e and Mokka-e are both being advertised at a 20% off sale price, while the MG ZS and MG5 are discounted by 15%.

Meanwhile, Ford's flagship electric car, the Mustang Mach-E, has fallen in price by 14%.

Ian Plummer, Auto Trader's commercial director, said lower prices are good news for car buyers and that it was "encouraging" to see more affordable electric cars on the market.

He said the discounts had been "driven by a softening in consumer demand, coupled with the introduction of the zero-emissions vehicle mandate, which is putting pressure on manufacturers to comply with the new regulations or face heavy fines".

The government's zero-emission vehicle ( ZEV ) mandate requirers manufacturers to produce a certain percentage of zero-emission cars and vans each year.

It started when comedian Peter Kay, who was supposed to be the first official act for the new Manchester Co-op Live on 23 April, had his performances rescheduled.

Rick Astley's performance on 20 April was a "test event" for the venue but ticket capacity was slashed just hours before his gig was due to begin.

Astley fans who had their tickets cancelled were instead offered seats to see US rock band The Black Keys play - but their show has also been affected.

And to add to the chaos, this week Olivia Rodrigo's concerts, scheduled for 3 and 4 May, were postponed.

Then, Take That announced they were moving their shows from the venue to the AO Arena in Manchester.

A Boogie Wit Da Hoodie concert was also postponed just over an hour before the rapper was set to perform.

Today, Barry Manilow also said he had a "back-up plan" to move his Manchester performance from the beleaguered venue.

The ongoing mayhem has left disgruntled concert-goers voicing their frustration, with some calling for travel and accommodation to be reimbursed and others calling the situation "embarrassing".

"There will be countless people who would've booked travel and hotels just for you to stitch them up because you couldn't meet assured deadlines," one person wrote on X.

Another person said the music venue should "at the very minimum" be "looking at refunding travel/hotel costs for people that can prove they paid for cancelled dates".

And another person asked: "How do I get a refund for parking? There's no info on your site or app."

Organisers at Co-op Live said the venue would be taking "a short pause to events" before welcoming members of the public to the arena from 14 May.

A Co-op Live statement said: "At this time, we do not expect further impact on our opening season. We are aware our actions have frustrated and angered ticketholders."

Tim Leiweke, chairman and chief executive of Oak View Group, which developed Co-op Live in partnership with the City Football Group, has said they cannot run any event until it is "absolutely safe to do so".

A Co-op Group spokesperson said: "As naming rights sponsor for Co-op Live we are disappointed with these further schedule changes.

"Co-op is a sponsor and does not own or run the venue, and we have made it clear to Oak View Group, who are responsible for the building, that the impact on ticketholders must be addressed as a priority."

An Itsu freezer product is being urgently recalled over fears it could contain plastic.

Customers are being told not to eat Itsu's sizzling pork gyoza, which is sold at Asda and Sainsbury's.

The 240g packs with a best before date of 8 March 2025 are those affected by the recall.

A 200-year-old Edinburgh attraction is reopening this month after being closed for four years.

The Nelson Monument is a 150ft tower overlooking the city, and was built to commemorate Admiral Horatio Nelson's victory at the Battle of Trafalgar.

It has been shut for essential works for years, but visitors will soon be able to climb its 143 steps again.

An official opening date has not yet been given.

HMRC's Welsh-language app is only being used by two in every 100 native speakers, according to a new report by The Telegraph .

A freedom of information request by the paper found that 13,831 Welsh speakers have used the app since its launch in June 2022.

That equates to 1.5% of the nearly 900,000 people who say they speak the language.

Jonathan Eida, researcher at the TaxPayers' Alliance pressure group, told the newspaper he thought the move was a "gimmick".

Gig ticket prices may be eye-wateringly high at the moment (just like everything else, let's face it) but a big sale next week will see tens of thousands of tickets at discounted prices.

LiveNation is holding a sale for 24 hours from noon on Thursday until noon on Friday, with prices starting from £25.

Artists who you can get discounted tickets to see include Doja Cat, Meghan Thee Stallion, Shania Twain, Becky Hill, Avril Lavigne, Eric Prydz, Giggs, Glass Animals, James Arthur, JLS, Jungle, Kaiser Chiefs, Limp Bizkit, Offset, McFly, Olly Murs, Paloma Faith, Placebo, Tom Jones, Tiesto and The Streets.

You can find the full line-up of artists and venues with discounted tickets on the LiveNation website here .

The company will also be holding promotions and competitions throughout next week.

By James Sillars , business news reporter

Financial markets are strange beasts.

You would think that fewer new jobs being created in the United States would be a cause for concern.

Hardly. It is being positively celebrated.

Closely watched figures out at 1.30pm showed an easing in both jobs and wage growth by more than expected last month.

It has led to greater bets on the US Federal Reserve, the central bank, introducing its first interest rate cut in September.

A hot economy and stubborn inflation have dragged on market sentiment in recent weeks.

Investors desperately want to see cheaper borrowing costs.

In reaction, US stock market futures showed the S&P 500 would open more than 1% higher.

The FTSE 100 was also on track for another record close. It was trading 0.8% higher at 8,234.

That was despite a big weakening in the dollar.

The pound gained three-quarters of a cent to $1.26 versus the US currency after the jobs data dropped.

Tech giant Apple has recorded the biggest drop in iPhone sales since the early months of the COVID pandemic.

Sales for January to March were down 10% on the same period last year - something not seen since the 2020 iPhone model was delayed due to lockdown factory closures.

Overall, Apple earned $90.8bn (£72.4bn) in the latest quarter - down 4% from a year ago. It was the fifth consecutive three-month period that the company's revenue dipped from the previous year.

Apple's profit in the past quarter was $23.64bn (£18.85bn) - a 2% dip from a year ago.

It was good news, however, for the overall value of the company as its share price rose nearly 7% after investors had expected a bigger drop in sales.

You can read more here ...

The chair of HSBC has predicted the Bank of England will cut interest rates in June.

Speaking at HSBC's annual general meeting today, Mark Tucker said he expected the European Central Bank and Bank of England to cut rates next month, both lowering by 150 basis points by the end of 2025.

He also said he expected the US Federal Reserve to cut rates in September.

However, yesterday, one of the world's leading economic authorities, the Organisation for Economic Co-operation and Development, said interest rates, which are at a post-2008 era high of 5.25%, should stay there.

"The fiscal and monetary policy mix is adequately restrictive and should remain so until inflation returns durably to target," the OECD's economic outlook for 2024 said.

Mango plans to open 20 new stores this year as it continues to strengthen its UK presence.

The Spanish fashion retailer, which arrived in the UK in 1999, will be opening stores in several cities in Northern Ireland and central and southern England, as well as Scotland.

There are also plans to open four stores in London.

Daniel Lopez, Mango director of expansion and franchising, told Retail Gazette the expansion "will consolidate the Mango brand" and help "strengthen it internationally".

The retailer recently unveiled a spring/summer collection in collaboration with Victoria Beckham.

Lidl has rushed to remove old references to so-called fake farm branding on its website after being questioned by MPs.

The retail chain told MPs yesterday that a picture of its "Strathvale farm chicken" was a "mistake" after telling them they did not use so-called fake farms.

Appearing in front of the Environment, Food and Rural Affairs Committee on fairness in the food supply chain, Lidl GB's chief commercial officer Richard Bourns was questioned on the fairness of supermarkets using fake farms to market their food.

Mr Bourns, who was questioned by committee member Rosie Duffield on using "Strathvale farm" branding for meat products, replied: "We don't use Strathvale farms, we use Strathvale.

"We do not use farm brands, just to be absolutely clear."

Committee chairman Robert Goodwill, who had access to the internet, said: "Oh wait a minute, we have here a Strathvale farm Scottish large chicken, for £3.85. Gosh that's cheap.

"So there is on the website at least, a reference to Strathvale farm."

Mr Bourns replied: "If there is a reference to Strathvale farms on our website I'd want to take that away and correct it.

"It could be the case that our website is not up to date.

"We do not have an online offering but I can categorically tell you we do not have farms brands in our business, just to be absolutely clear."

After the committee hearing a Lidl spokesperson said: "Any historic web pages featuring old packaging that appear via a search engine are in the process of being removed to ensure complete accuracy."

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COMMENTS

How does travel insurance work on a credit card?
Credit card travel insurance provides the following benefits: Financial protection: Comprehensive credit card travel insurance can provide full coverage should a covered event--such as severe weather, a medical emergency affecting you or a loved one, or loss of employment--occur. In many cases, travel insurance may require you to pay any ...
Credit card travel insurance: When it will and won't help
Related: 8 times your credit card's travel insurance might not cover you. Bottom line. Of course, this article assumes you used a credit card with travel insurance to pay for your trip, and the exact protections vary from card to card. But hopefully, this guide gave you an idea of the types of help you may get from your credit card's travel ...
Credit Card Travel Insurance Vs. Separate Travel Insurance
How does credit card travel insurance work? Credit card travel insurance provides limited coverage for certain types of common losses. These often include trip delay, lost baggage and damage to a ...
How Does Credit Card Travel Insurance Work?
Credit card travel insurance will cover you for just about every scenario related to your health or trip. Generally speaking, travel insurance is broken down into the following categories: Travel ...
10 Credit Cards With Travel Insurance
Here are our picks for the best travel credit cards of 2024, including those best for: Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card. No annual fee: Bank of ...
Best Credit Cards For Travel Insurance Of May 2024
Credit card travel insurance does work, but types of coverage, coverage amounts and limitations vary significantly from card to card. Read the fine print in your credit card agreement and benefits ...
How Does Credit Card Travel Insurance Work?
Travel insurance is a perk frequently offered by the best travel credit card. Select reviews the most common types of travel insurance offered by the best travel rewards credit cards so you can ...
A Guide to Credit Card Travel Insurance
What's travel insurance? Travel insurance is exactly what it sounds like: insurance for when something goes wrong on your vacation or business trip. It can take many forms, ranging from trip cancellation or interruption insurance to coverage of emergency dental work. My favorite credit card for travel insurance is the Chase Sapphire Reserve®.
Guide to travel insurance with credit cards
A travel insurance policy usually costs about 5 percent to 7 percent of the cost of the trip, Mueller says. The main factors in the price of a travel insurance policy are the type of trip, including cost, length and destination, and the traveler's age and any existing medical conditions.
What Credit Card Travel Insurance Covers and How it Works
These insurances usually kick in when charging travel to the credit card or using points for travel through a credit card's loyalty program. Said travel insurances are collectively referred to as travel protections in credit card literature. Typically, when searching for the travel coverages your credit card provides, you will find them ...
Should you get travel insurance if you have credit card protection
Why credit card travel insurance is usually enough for me. My specific situation usually lets me rely on credit card travel protections instead of buying travel insurance. RGSTUDIO/GETTY IMAGES. After researching the best travel insurance policies and providers, I purchased travel insurance for one specific trip because I wanted political ...
Who is covered by credit card travel insurance?
Travel insurance is included on many cards and can offer peace of mind in case of the unexpected. This insurance generally covers your spouse or partner and, in some cases, your immediate and extended family. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product.
How Does Credit Card Travel Insurance Work?
Not all credit cards offer travel insurance, however, so it's a good idea for consumers to weigh these benefits against benefits of other credit cards to determine which card is right for them. Among the benefits of credit card insurance are: • Financial security: Travel can be a big expense.
Covered vs Uncovered: Does Credit Card Travel Insurance Offer Adequate
Credit card travel insurance is a type of protection that comes as a benefit with certain credit cards. This insurance can cover a range of unforeseen events related to travel, such as trip cancellations, interruptions, delays, lost luggage, and in some cases, even medical emergencies. However, the key is to know that not all credit cards offer ...
How Does Travel Insurance Work?
How to use your travel insurance. Travel insurance works like most insurance policies. You purchase coverage for a period of time to protect against certain risks. When a covered event occurs, you ...
Capital One Credit Card Travel Insurance: All You Need To Know
Travel insurance through Capital One is offered as a benefit on Venture travel rewards credit cards. You'll need to make a qualified travel purchase on an eligible Capital One credit card in ...
How Does Travel Insurance Work On Credit Cards
One of the key advantages of travel insurance on credit cards is that it is often provided as a complimentary benefit to cardholders who use their credit cards to purchase travel-related expenses, such as airfare, hotels, or rental cars. This can potentially save travelers the cost of purchasing a separate travel insurance policy, making it a ...
How Does Credit Card Travel Accident Insurance Work?
In This Article. View All. Photo: Ippei Noei / Getty Images. Some credit cards come with travel accident insurance. Learn how the coverage works, which credit cards offer them, what they cover, and how the claims process works.
Chase Sapphire Preferred Card Travel Insurance
The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.. If you're like most people, you hear the word "insurance," and your eyelids start feeling heavy.
Is Travel Insurance Worth It?
But when deciding whether travel insurance is worth it, you can consider things like: Type and length of trip: If the trip's refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage. Your existing coverage: Check existing policies and agreements. If you have coverage through your ...
Do Chase Credit Cards Have Travel Insurance?
Most Chase credit cards do have travel insurance, but the level and type of coverage depends on the card. ... Carissa Rawson is a freelance award travel and personal finance writer. Her work has ...
Understanding What Travel Insurance Covers
What does credit card travel insurance cover? A major perk on several travel credit cards is embedded credit card travel insurance. Typically, you will need to use the specific card for the ...
Southwest Meltdown: Credit Card Insurance Benefits May Help ...
A credit card can come with several types of travel protections, but the following three can be especially helpful in the Southwest crisis (or a similar one): Trip delay insurance, which can ...
AXA Travel Insurance Review --- Is it Worth It? [2024]
The health insurance you use at home doesn't work at your destination. You're planning activities that aren't covered by your health insurance. ... Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It's a good idea to use your card's travel insurance as a backup for ...
How Does Credit Card Travel Insurance Work?
Westpac. Westpac operates a two-tier structure for international travel insurance. Six credit cards fall under level one, and four under level two. Level one cards offer up to six months ...
Here's Why I Carry a Backup Credit Card When Traveling
If your card charges foreign transaction fees, you'll have to pay a fee every time you swipe your card for purchases made in a foreign currency. Many credit card issuers charge a fee of 3% for ...
Best No Annual Fee Credit Cards Of May 2024
The Capital One Venture Rewards Credit Card charges a $95 annual fee ( rates & fees) while the Capital One VentureOne doesn't charge an annual fee ( rates & fees ). For those who won't use the ...
Money latest: Which cereals have least sugar? Your guide to eating a
This is because there's a bank holiday coming up on 6 May which will affect benefits paid by both the Department for Work and Pensions (DWP) and HMRC (they don't pay benefits on bank holidays).
The Worst Cities To Drive In, 2024
With more Americans back to work full-time at the office, the roads are increasingly busy. Travel on the nation's highways and streets climbed by 2.1% in 2023 to 3.3 trillion miles, setting a ...

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Trip cancellation and trip interruption insurance

Travel accident insurance

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‘Cancel for any reason’ insurance

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Lost or delayed baggage

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Comprehensive insurance

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Introduction

Understanding Travel Insurance Coverage

Types of Travel Insurance Offered by Credit Cards

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Making a Claim on Travel Insurance

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Issuers That Offer Cards With Travel Accident Insurance

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Cancel for any reason (CFAR)

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