Best Credit Cards for Travel Insurance of September 2025
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Written by
Peter Rothbart
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Edited by
Emily Gadd
One hidden cost of travel is the price you pay when things go wrong. Flight delays, lost bags, rental car damage and more can hamper your travel plans and incur high out-of-pocket costs.
A standalone travel insurance policy can lessen the financial sting of these setbacks, but you may not need one to be covered. Many travel credit cards offer their own packages of travel insurance benefits to protect you against common incidents.
We’ll explain the different kinds of coverage travelers should look for, as well as how to decide which credit card travel insurance is best for you.
Quick Overview: Best Credit Cards for Travel Insurance
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
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Premium Perks |
Excellent/Good
670 – 850*
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$95 |
Unlimited 1.5 points per $1 on all purchases, 2 points per $1 on dining and travel, 60,000 bonus points opportunity worth $600 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
Apply Now
More Details
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|
Premium Perks |
Excellent
720 – 850*
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$795 |
Luxury travel card with airport lounge access & a bonus worth up to $2,500 in Travel Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. Your points are worth up to 100% more when you redeem them through Chase Travel, making this bonus worth up to $2,500.
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More Details
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| Travel |
Good – Excellent
670 – 850*
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$95 |
Incredible rewards redemption value and a welcome bonus worth up to $1,312 in Travel Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Your points are worth up to 75% more when you redeem them through Chase Travel, making this bonus worth up to $1,312.50.
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Premium Perks & Benefits |
Good – Excellent
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$895 |
Massive welcome offer opportunity plus several annual statement credits, lounge access and other premium benefits You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
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| Premium Travel Rewards & Perks |
Excellent
720 – 850*
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$395 |
Very generous bonus and statement credit opportunities plus premium perks.
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| Premium Points |
Excellent/Good
670 – 850*
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$95 |
Earn up to 10x points per dollar plus a bonus worth 60,000 bonus ThankYou® PointsEarn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
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| Travel |
Excellent/Good
670 – 850*
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$95 |
Strong ongoing rewards, elevated travel perks, plus a bonus worth $600Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
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Rewards on Rent |
Excellent/Good
670-850*
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$0 |
Charge your rent with no transaction fee
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Detailed Overview: Best Travel Insurance Credit Cards
Top Feature
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
Purchase & Balance Transfer APR
20.24% – 28.24% Variable APR on purchases and balance transfers
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Earn unlimited 1.5 points for every $1 spent on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Card Details From Issuer
- Low $95 annual fee.
- 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.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Top Feature
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Purchase & Balance Transfer APR
20.24% – 28.74% Variable
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
Top Feature
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Purchase & Balance Transfer APR
19.99% – 28.24% Variable
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Cash Back
Card Details From Issuer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 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
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Top Feature
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Purchase & Balance Transfer APR
See Pay Over Time APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
5 points per dollar on prepaid hotels booked with American Express Travel®.
1 point per dollar on all other purchases.
Terms apply.
Card Details From Issuer
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
- New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
Top Feature
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Purchase & Balance Transfer APR
19.99% – 29.24% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Earn unlimited 2X miles on all other purchases.
Card Details From Issuer
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top Feature
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Purchase & Balance Transfer APR
19.99% – 27.99% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Welcome Bonus
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Purchase & Balance Transfer APR
19.99%, 24.99%, or 28.99% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
** Information for the following card was not reviewed by Wells Fargo or provided by Wells Fargo
Top Feature
N/A
Purchase & Balance Transfer APR
See Terms
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Cash Back
Earn 1x points on rent without the transaction fee, up to 100,000 points in a calendar year. When you use the card 5 times each statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying net purchases.
Card Details From Issuer
- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earns 3x points on dining
- Earn 2x points on travel
- Earn 1x points on other purchases
- Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
- Select “Apply Now” to learn more about the product features, terms, and conditions
- See Rates & Fees
What Is Credit Card Travel Insurance?
Credit card travel insurance gives you a degree of financial protection against unexpected costs you might incur while traveling. Coverage ranges from mundane occurrences like delayed luggage and canceled flights to more serious incidents involving illness or bodily harm. Credit card travel insurance benefits often extend beyond you as the primary cardholder to family or other travel companions, and in some cases, can apply even in your absence.
As with most insurance, credit card travel insurance comes with a lot of fine print. The coverage provided varies from one card to another, and may depend on how, when and where you’re traveling. Individual benefits include lengthy exclusions and limitations: for example, emergency medical expenses might not be covered if you get hurt while scuba diving, and your lost luggage protection may cap reimbursement for valuables like jewelry and electronics.
Furthermore, many policies require that you use your card to pay for some or all of a travel purchase for its protections to apply, and require extensive documentation when filing a claim. And some issuers don’t provide travel insurance at all — for example, Discover travel insurance was discontinued several years ago.
In short, travel insurance can provide valuable protection against a variety of losses, but don’t assume you’re covered without consulting the terms and conditions of your card benefits.
Types of Credit Card Travel Insurance
- Trip cancellation/interruption insurance reimburses you for costs incurred when travel plans change due to circumstances outside your control, such as severe weather or a medical emergency. Coverage generally applies to prepaid, non-refundable travel expenses, as well as mandatory change or cancellation fees.
- Trip delay reimbursement covers reasonable expenses like meals or lodging when your travel is severely delayed. Coverage generally requires a delay of at least six to 12 hours or an overnight stay.
- Baggage delay/loss insurance reimburses you for essentials like toiletries and clothing when your bags are delayed or lost by your travel provider.
- Car rental insurance covers rental vehicle losses caused by theft or damage, which may include towing charges or other fees assessed by the rental agency. Not all rental vehicles are covered.
- Emergency medical/dental coverage reimburses you for relevant medical and dental expenses incurred due to sickness or injury while traveling. Coverage does not extend to non-emergency treatment.
- Emergency evacuation and transportation covers costs like transit to a hospital and treatment en route that arise from severe sickness or injury suffered during travel. Travel accident insurance provides financial compensation in the event of severe injury (such as blindness or loss of limb) suffered during travel.
How To Choose the Best Credit Card With Travel Insurance for You
The card with the best travel insurance benefits isn’t necessarily the one you should choose. Keep these considerations in mind when deciding which credit card is best for you.
What Kind(s) of Coverage Do You Need?
Before looking at specific credit card options, consider what kinds of travel insurance benefits you’re most likely to use and how much you would value having them. You might get mileage out of a well-rounded package of benefits, but even if you have no need for most coverage, a single maximized credit card benefit can return enough value to justify getting a card (including a premium credit card with a high annual fee).
For example, if you routinely pay for the daily loss damage waiver on rental cars, a credit card with similar protection could save you hundreds of dollars in fees each year. Similarly, trip delay reimbursement may be handy if you often transit through destinations or along routes prone to severe delays. On the other hand, you should discount the value of any benefits you won’t use because they don’t apply to you or you’re already covered by another policy.
How Much Coverage Do You Need?
Travel insurance benefits tend to have similar names from one credit card to another, but the terms of those benefits can vary greatly. For example, Chase Sapphire travel insurance on the Sapphire Reserve offers trip cancellation and interruption insurance of up to $10,000 per covered traveler and $20,000 per trip (for all covered travelers).
In contrast, the Chase Freedom Unlimited® also offers trip cancellation and interruption insurance, but caps coverage at $1,500 per covered traveler and $6,000 per trip. Those lower limits should be adequate for a weekend getaway, but might not cut it on an extravagant family vacation abroad.
If you’re not sure how much coverage is enough, review your recent travels and estimate the costs you would have faced if your trip were canceled or delayed, you were injured while traveling, or in case of other insurable events.
What’s in the Fine Print?
Credit card travel insurance offers a layer of protection against travel mishaps, but it’s not comprehensive. If you’re planning to rely on your card benefits in lieu of other coverage, make sure you know exactly what you’re getting, since there may be unexpected carve-outs. Understanding who and what is (or isn’t) covered will enable you to set expectations properly and seek alternatives when coverage is insufficient.
For example, most travel insurance benefits cover family members, but differ in who qualifies as “family.” The Amex Platinum card, an advertising partner, extends trip cancellation and interruption insurance only to spouses, domestic partners and unmarried dependent children, whereas the corresponding benefit on the Bilt Mastercard also covers siblings, grandchildren, parents and grandparents, aunts and uncles, nieces and nephews, and more. Setting other terms aside, that additional coverage is advantageous if you often travel with extended family.
Is the Card a Good Fit Overall?
Insurance benefits are only one slice of the pie, so unless you have an acute need for a specific type of coverage, you’re more likely to get value out of other features of travel credit cards. Consider rewards earning rates and redemption options, benefits such as statement credits, free checked bags, elite status and airport lounge access, and any associated costs such as annual fees or foreign transaction fees, and then choose a card that meets your needs broadly.
Pros and Cons of a Credit Card With Travel Insurance Benefits
Using a credit card with travel insurance benefits makes sense for many travelers, especially those who travel frequently or have an acute need for a specific kind of coverage. As with all credit card considerations, you should weigh the value of travel insurance benefits against any potential downside.
Pros
- Benefits often cover not only the cardholder, but also family and other traveling companions.
- Unlike standalone travel insurance, most credit card travel insurance benefits have no deductible.
- Some credit cards with travel insurance benefits offer additional travel perks like airport lounge access, statement credits and higher earning rates for travel purchases.
Cons
- Credit cards with the best travel insurance tend to charge annual fees, so your benefits come at a cost.
- You typically have to pay for travel with your card for insurance benefits to apply, even if you’d prefer a different payment method.
- Benefits come with lots of exclusions and limitations, so you have to read policies carefully to feel confident that coverage applies.
Alternatives To Consider
Many credit cards offer travel insurance benefits. If the top picks above don’t appeal to you, these alternatives may suit your needs:
- Chase Freedom Unlimited: The Freedom Unlimited provides low-limit trip cancellation and interruption insurance with no annual fee, and earns Chase Ultimate Rewards® that you can combine with select other Chase credit cards. On the downside, it has few additional benefits and charges a 3% foreign transaction fee.
- PenFed Pathfinder® Rewards Visa Signature® Card: If you’re a PenFed member (or able to join), this card provides the basics along with a $100 annual airline credit (which offsets the $95 annual fee), plus a Global Entry/TSA PreCheck application fee credit. A standout feature is baggage delay reimbursement that kicks in after only four hours from arrival at your destination — most cards only offer coverage after six hours of delay.
- Prime Visa: The Prime Visa comes with baggage delay insurance, lost luggage reimbursement and travel accident insurance, and charges no annual fee or foreign transaction fee. However, it doesn’t offer trip cancellation or interruption protection, and the only emergency assistance it provides is a referral service that doesn’t cover any costs.
For the Trip Cancellation and Interruption Insurance benefit on 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 the Trip Delay Insurance benefit on The Platinum Card® from American Express, 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 Baggage Insurance Plan and Car Rental Loss & Damage Insurance benefits on The Platinum Card® from American Express, 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 Premium Global Assist Hotline benefit on 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, the Premium Global Assist Hotline 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.
You can find the entire Citi Strata Premier® Card Guide to Benefits here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
** Information for the Bilt Mastercard®, Chase Sapphire Reserve®, and the Prime Visa was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for these products.
Frequently Asked Questions About Credit Cards With Travel Insurance Benefits
Do credit cards have travel insurance on them?
Many credit cards offer travel insurance benefits, though the type and extent of coverage vary from one card to another.
Does credit card travel insurance really work?
Credit card travel insurance works when you adhere to the terms of your policy. Review your benefits to understand what is and isn’t covered.
Is credit card insurance automatic?
Most credit card travel insurance requires you to pay with your card for the benefits to apply.
Do I need travel insurance if my credit card offers it?
You may need travel insurance even if your credit card offers it, depending on the type and extent of coverage you require.
How Do Our Critics Evaluate the Cards?
All of the credit cards featured on CardCritics™ are assessed using the same criteria. Our critics evaluate fees, interest rates, balance transfer options, introductory bonuses, rewards, additional benefits and the average credit score required for approval.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.