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With the high travel volume and lower supply of flights post-pandemic, there have been reports of canceled and delayed flights. There has never been a better time to have credit cards with travel protection.
Perhaps you’ve never worried about having travel protection. That’s often the case until you’ve needed it. My sister broke her wrist in Mexico on an ATV one time and was so happy she had randomly added a $20+ insurance policy to her airline ticket – it saved her thousands of dollars! You don’t need to add on that airline insurance if you have a good credit card with travel protection though. Here are some things that might be covered on a credit card:
Know what items are covered on the cards you have and be sure and pay the items you need to pay for (like taxes and fees) on that card. Here are some credit cards with travel protection.
Our favorite beginner card, the Chase Sapphire Preferred Card, comes with great travel protection. One time Alex’s nice stroller was damaged during travel and she was sent a check in the mail for the full cost of the stroller (which happened to be 6 years old) just because she had used this card to book her taxes and fees for the flight!
You can count on these cards to give you trip cancellation and interruption coverage, trip delay, lost and damaged luggage, luggage delay, and rental car coverage. You can get up to $500 in reimbursements for things like airfare, hotels, and meals if you incur a delay of 12 or more hours. That can be huge If you are stranded!
You can also get up to $100 a day for five days if your luggage is delayed for more than 6 hours. Several years ago, my luggage was delayed four days on a trip to Greece. Getting reimbursed for some clothes and toiletries made it much easier for me to continue enjoying my trip!
The rental car coverage is amazing. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad. I always book my rental cars with this card.
Trip cancellation or interruption – Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per year.
Trip delay – Up to $500 per ticket for delays of more than six hours with the Reserve and 12 hours with the Preferred.
Baggage delay -Up to $100 per day for five days.
Lost luggage – Up to $3,000 per passenger.
Travel accident -Up to $1,000,000 for the Reserve and up to $500,000 for the Preferred.
Rental car insurance – Up to $75,000 for the Reserve and up to the actual cost of the car for the Preferred.
My trip to Greece without 3 days of luggage was made easier because I could go buy essentials.
The United Explorer Card is a surprising contender for one of the credit cards for travel protection. I love that a simple airline card offers such good protection.
Trip cancellation and trip interruption- Up to $1,500 per person and $6,000 per trip.
Trip delay – Up to $500 per ticket for delays of more than 12 hours.
Baggage delay -Up to $100 per day for three days.
Lost luggage – Up to $3,000 per passenger.
Travel accident insurance – Up to $500,000.
Rental car insurance – covers damage or theft with restrictions.
With an annual fee of $695, the American Express Platinum Card better be one of the credit cards with travel protection! The interesting thing is, that most cards seem to have almost identical protection. Are you seeing similarities with their coverages?
Trip cancellation – Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
Trip interruption – Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
Lost luggage – Up to $3,000 per passenger.
Travel accident insurance – Up to $500,000.
Rental car insurance – Up to $75,000.
The Capital One Venture Rewards Card has the following coverage:
Lost luggage- Up to $3,000 per passenger.
Travel accident insurance- Up to $250,000.
Rental car insurance- covers damage or theft with restrictions.
Not only does the Capital One Venture X Card come with great lounge access, but it also has the following travel protection:
Trip cancellation and interruption – up to $2000 a person
Trip delay – Up to $500 per ticket for delays of 6 hours or more.
Travel accident insurance – Up to $1,000,000 if the entire cost of the ticket is put on this card
Lost luggage – Up to $3,000 per passenger.
The American Express Hilton Aspire Card has the following benefits:
Trip cancellation – Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
Trip interruption – Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.
Baggage delay – Up to $100 per carrier for three days.
Lost luggage – Up to $3,000 per passenger.
Travel accident insurance – Up to $500,000.
Rental car insurance: -Up to $75,000.
Knowing that you have baggage insurance gives you peace of mind if you are checking luggage.
The Chase Marriott Bonvoy Boundless Card comes with these benefits:
Baggage delay: Up to $100 per day for five days.
Lost luggage: Up to $3,000 per passenger.
Trip delay: Up to $500 per ticket for delays of more than 12 hours.
The American Express Marriott Bonvoy Brilliant Card comes with these benefits:
Lost luggage – Up to $2,000 for checked bags and up to $3,000 for checked and carry-on bags.
Travel accident insurance – Up to $500,000.
Rental car insurance – Up to $75,000.
Credit cards with travel protection are an important benefit to be aware of. Get in the habit of using the card that gives you the best protection. What’s your experience with needing travel protection on a trip?
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Editorial Note: The editorial content on this site is not provided by credit card issuer. All opinions, reviews, and recommendations are expressed by the author, not the credit card issuer.
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