The best credit cards with travel insurance

Oct 4, 2020

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Travel insurance can save you a lot of money if something goes wrong on a trip. Luckily, some of the top travel rewards cards offer travel insurance when you pay for travel with your card. For example, some cards reimburse you for expenses if your baggage is damaged, you’re stranded overnight due to a flight delay or cancellation or you have to return home to handle a family medical emergency.

I almost always rely on travel protections provided by premium credit cards instead of purchasing travel insurance. But, especially when traveling during the coronavirus pandemic, you should consider when to buy travel insurance versus when to rely on credit card protections.

We have a separate guide to buying travel insurance. So, today I’ll discuss some of the best travel credit cards that provide travel insurance. In particular, I’ll focus on cards that offer travel insurance as well as bonus rewards when you use the card to purchase flights, trains, buses and other scheduled transportation.

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Best credit cards with travel insurance

The information for the U.S. Bank Altitude Reserve card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

In This Post

Types of travel insurance you can get from a credit card

Many travel rewards cards offer travel insurance when you use your card to purchase travel. However, some cards require you to pay for your entire trip with the card, while others will provide coverage even if you only pay taxes and fees on an award ticket. See the links below for more information on these insurance types and the best cards for every kind of insurance.

As you’ll notice when reading the upcoming sections of this guide, the types and levels of protection vary significantly across credit cards. Most protections have exclusions or limitations, so be sure to read the guide to benefits on your card before assuming something or someone will be covered.

Related: Be careful: Avoiding outbreaks isn’t covered by most travel insurance

Comparing credit cards with travel insurance

Card Welcome bonus Protection notes Annual fee
Chase Sapphire Reserve 50,000 points after you spend $4,000 on purchases in the first 3 months from account opening Adequate protection in all areas; the biggest flaw is the low limit for high-risk items under the lost/damaged baggage protection $550
Chase Sapphire Preferred Card 60,000 points after you spend $4,000 on purchases in the first 3 months of account opening Weaker across the board than the Chase Sapphire Reserve, but good enough for most situations $95
Ink Business Preferred Credit Card 100,000 points after you spend $15,000 on purchases in the first 3 months of account opening Weaker across the board than the Chase Sapphire Reserve, but good enough for most situations $95
United Club Infinite Card 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening. Weaker across the board than the Chase Sapphire Reserve, but good enough for most situations $525
The Platinum Card from American Express 75,000 Membership Rewards® Points after you spend $5,000 on purchases in your first 6 months of Card Membership.
Terms apply.
Doesn’t offer baggage delay protections and has more restrictions on what trips are covered than Chase cards $550 (see rates & fees)
The Business Platinum Card from American Express 85,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card plus earn 5x points on eligible purchases in 5 select business categories, up to 80,000 bonus points per category, all within the first 3 months of Card Membership.Terms apply. Doesn’t offer baggage delay protections and has more restrictions on what trips are covered than Chase cards $595 (see rates & fees)
Delta SkyMiles Reserve American Express Card 80,000 bonus miles, plus 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 on purchases in the first three months of account opening. Doesn’t offer baggage delay protections and has more restrictions on what trips are covered than Chase cards $550 (see rates & fees)
Bank of America Premium Rewards credit card 50,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of account opening You must be delayed 12 hours before trip delay protection kicks in $95
U.S. Bank Altitude Reserve Visa Infinite Card 50,000 points after you spend $4,500 in the first 90 days of account opening Doesn’t offer damaged baggage or baggage delay protections; only common carrier fares are covered by trip cancellation/interruption protection $400

Now let’s take a closer look at each card to determine how you can use these perks when things go wrong on a trip.

Chase Sapphire Reserve

Chase Sapphire Reserve (Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Sign-up bonus: 50,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening. Based on TPG’s valuations, this bonus is worth $1,000.

Rewards: 10x points on Lyft rides through March 2022; 3x points on dining and travel; 1x points on everything else

Travel insurance:

  • Baggage delay: Up to $100 reimbursed per day for up to five days if a common carrier delays your baggage more than six hours
  • Lost/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 pre-paid, non-refundable 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 (100-mile requirement waived for New York residents)
  • Travel accident insurance: Travel accidental coverage of up to $100,000 (up to $1,000,000 for common carrier travel)
  • Emergency medical and dental benefit: 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 (100-mile requirement waived for New York residents)
  • Rental car coverage: Primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or less

Annual fee: $550 ($75 for each authorized user)

The Chase Sapphire Reserve offers 3x Chase Ultimate Rewards points on all travel purchases. Due to its 6% return and excellent travel protections, the Sapphire Reserve is my go-to card for travel expenses. Plus, the Sapphire Reserve provides protections on award tickets even when I only charge the award’s taxes and fees to the card.

To learn more, check out the full Chase Sapphire Reserve credit card review and take a look at the Sapphire Reserve’s guide to benefits. And here’s the official application link: Chase Sapphire Reserve.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

Chase Sapphire Preferred Card

Chase Sapphire Preferred Card (Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Sign-up bonus: 60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening. Based on TPG’s valuations, this bonus is worth $1,200.

Rewards: 5x points on Lyft rides through March 2022; 2x points on dining and travel; 1x points on everything else

Travel insurance:

  • Baggage delay: Up to $100 reimbursed per day for up to five days if a common carrier delays your baggage more than six hours
  • Lost/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 12 hours or require an overnight stay
  • Trip cancellation and interruption protection: Up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses
  • Travel accident insurance: Accidental death or dismemberment coverage of up to $100,000 (up to $500,000 for common carrier travel)
  • Rental car coverage: Primary coverage for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less

Annual fee: $95

The Chase Sapphire Preferred is one of the best travel rewards credit cards for the average traveler. Although a 4% return on travel purchases isn’t fantastic, it’s still respectable considering the card’s modest $95 annual fee and decent travel protections. As with the Sapphire Reserve, you’ll get coverage on award tickets even when you only use your Sapphire Preferred to pay the taxes and fees.

To learn more, check out the full Chase Sapphire Preferred credit card review and take a look at the Sapphire Preferred’s guide to benefits. And here’s the official application link: Chase Sapphire Preferred Card.

Related: 5 reasons why the Chase Sapphire Preferred should be your first card

Ink Business Preferred Credit Card

Ink Business Preferred Credit Card (Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Sign-up bonus: 100,000 Chase Ultimate Rewards points after you spend $15,000 on purchases in the first three months from account opening. Based on TPG’s valuations, this bonus is worth $2,000.

Rewards: 3x points on the first $150,000 spent each account year in combined purchases on travel, shipping purchases, internet, cable and phone services and advertising purchases with social media sites and search engines; 1x points on everything else

Travel insurance:

  • Baggage delay: Up to $100 reimbursed per day for up to five days if a common carrier delays your baggage more than six hours
  • Lost/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 12 hours or require an overnight stay
  • Trip cancellation and interruption protection: Up to $5,000 per person and $10,000 per trip for pre-paid, non-refundable travel expenses
  • Travel accident insurance: Accidental death or dismemberment coverage of up to $100,000 (up to $500,000 for common carrier travel)
  • Rental car coverage: Primary coverage (except when renting for personal reasons in your country of residence, in which case coverage is secondary) for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less

Annual fee: $95

The Ink Business Preferred is one of the best business travel rewards cards. It earns a 6% return on the first $150,000 spent in select categories, which is excellent considering the card’s $95 annual fee and travel protections. As with other Chase cards, you’ll be protected on award tickets as long as you use your Ink Business Preferred to pay the taxes and fees.

To learn more, check out the full Ink Business Preferred Credit Card review. And here’s the official application link: Ink Business Preferred Credit Card.

Related: 5 reasons to get the Chase Ink Business Preferred credit card

United Club Infinite Card

United Club Infinite Card (Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Sign-up bonus: 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.

Rewards: 4x miles on purchases with United; 2x miles at restaurants and on other travel; 1x miles on everything else

Travel insurance:

  • Baggage delay: Up to $100 reimbursed per day for up to three days if a common carrier delays your baggage more than six hours
  • Lost/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 12 hours or require an overnight stay
  • Trip cancellation and interruption protection: Up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses
  • Rental car coverage: Primary coverage for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less

Annual fee: $525

The United Club Infinite Card provides decent travel protections, a 5.2% return on purchases with United and a United Club membership. But, its 2.6% return on other travel purchases and 1.3% return on all other purchases means you’ll earn rewards rather slowly. As with other Chase-issued cards, you’ll be protected on award tickets even when you only use your United Club Infinite Card to pay the taxes and fees.

To learn more, check out the full United Club Infinite Card review. And here’s the official application link: United Club Infinite Card.

Related: Best ways to use the United Club Infinite Card

The Platinum Card from American Express

American Express Platinum_Montreal
(Photo by Isabelle Raphael/The Points Guy)

Welcome offer: 75,000 Membership Rewards® Points after you spend $5,000 on purchases in your first 6 months of Card Membership.  Based on TPG’s valuations, this bonus is worth $1,500. However, you may be able to snag a targeted 100,000-point offer through the CardMatch tool (offer subject to change at any time).

Rewards: 5x points on flights booked directly with airlines or with American Express Travel (5x points on up to $500,000 per calendar year starting Jan. 1, 2021); 5x points on prepaid hotels booked on amextravel.com; 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.1x points on everything else

Travel insurance:

  • Lost/damaged baggage: Up to $3,000 per traveler for carry-on baggage and up to $2,000 per traveler for checked baggage, but only $1,000 per traveler for high-risk items. Note that you must pay the entire fare with your card (including Pay with Points).
  • Trip delay reimbursement: Up to $500 per covered trip and up to two claims per 12-month period per card if a common carrier delays you by more than six hours. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered).
  • Trip cancellation and interruption protection: Up to $10,000 per covered trip and $20,000 per eligible card per 12-month period for prepaid, non-refundable travel expenses. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered).
  • Rental car coverage: Secondary coverage for damages caused by theft or collision at up to $75,000 on rentals of 30 days or less when you pay for the entire rental with an eligible card (including Pay with Points). You can pay per rental to upgrade to primary coverage through the American Express Premium Car Rental Protection program.
  • Emergency medical transportation: At no cost if the Premium Global Assist Hotline medical department determines it is medically necessary and advisable due to inadequate local facilities. You must be traveling more than 100 miles from home on a trip of 90 days or less.

Annual fee: $550 ($175 for up to three additional Platinum cards, then $175 for each additional Platinum card after the first three; see rates and fees)

The Amex Platinum provides an impressive 5x points on flights booked directly with airlines or through Amex Travel. Using TPG’s latest valuations, this means you’ll get a 10% return on these purchases. But even with a 10% return on select airfare purchases, I still don’t use the Amex Platinum to book flights. Instead, I use the Amex Platinum primarily as a membership card since the Chase Sapphire Reserve’s travel protections provide better coverage for my travel style.

To learn more, check out the full Platinum Card from American Express card review and take a look at the terms and conditions of each benefit. And here’s the official application link: The Platinum Card from American Express. Also, check the CardMatch Tool to see if you’re targeted for a 125,000-point Platinum Card offer. Please note that these offers are subject to change at any time.

Related: Comparing built-in travel insurance with the Chase Sapphire Reserve and Amex Platinum

The Business Platinum Card from American Express

The Business Platinum Card from American Express (Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Welcome offer: Earn 85,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card plus earn 5x points on eligible purchases in 5 select business categories, up to 80,000 bonus points per category, all within the first 3 months of Card Membership. Based on TPG’s valuations, this bonus is worth $1,700.

Rewards: 5x points on flights and prepaid hotels booked on amextravel.com; 1.5x points on each eligible purchase of $5,000 or more (up to one million additional points per year); one point per dollar spent on everything else

Travel insurance:

  • Lost/damaged baggage: Up to $3,000 per traveler for carry-on baggage and up to $2,000 per traveler for checked baggage, but only $1,000 per traveler for high-risk items. Note that you must pay the entire fare with your card (including Pay with Points).
  • Trip delay reimbursement: Up to $500 per covered trip and up to two claims per 12-month period per card if a common carrier delays you more than six hours. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered).
  • Trip cancellation and interruption protection: Up to $10,000 per covered trip and $20,000 per eligible card per 12-month period for prepaid, non-refundable travel expenses. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered).
  • Rental car coverage: Secondary coverage for damages caused by theft or collision at up to $75,000 on rentals of 30 days or less when you pay for the entire rental with an eligible card (including Pay with Points). You can pay per rental to upgrade to primary coverage through the American Express Premium Car Rental Protection program.
  • Emergency medical transportation: At no cost if the Premium Global Assist Hotline medical department determines it is medically necessary and advisable due to inadequate local facilities. You must be traveling more than 100 miles from home on a trip of 90 days or less.

Annual fee: $595 (see rates and fees)

The Amex Business Platinum provides an impressive 5x points on flights and prepaid hotels booked through Amex Travel. Using TPG’s latest valuations, this means you’ll get a 10% return on these purchases. But, if you don’t want to book through Amex Travel and would prefer to earn bonus points on a wide variety of business expenses, you may be better off with the Ink Business Preferred Credit Card.

To learn more, check out the full Business Platinum Card from American Express card review and take a look at the terms and conditions of each benefit. And here’s the official application link: The Business Platinum Card from American Express.

Related: Warning: Book carefully if you have multiple Amex cards that offer travel protections

Delta SkyMiles Reserve American Express Card

Delta Reserve Amex (Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Welcome offer: 80,000 bonus miles, plus 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 on purchases in the first three months of account opening. Based on TPG’s valuations, the 80,000-mile bonus is worth $880.

Rewards: 3x miles on eligible Delta flights and Delta Vacations; 1x miles on all other eligible purchases.

Travel insurance:

  • Lost/damaged baggage: Up to $3,000 per traveler for carry-on baggage and up to $2,000 per traveler for checked baggage, but only $1,000 per traveler for high-risk items. Note that you must pay the entire fare with your card (including Pay with Points).
  • Trip delay reimbursement: Up to $500 per covered trip and up to two claims per 12-month period per card if a common carrier delays you more than six hours. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered).
  • Trip cancellation and interruption protection: Up to $10,000 per covered trip and $20,000 per eligible card per 12-month period for prepaid, non-refundable travel expenses. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered).
  • Rental car coverage: Secondary coverage for damages caused by theft or collision at up to $75,000 on rentals of 30 days or less when you pay for the entire rental with an eligible card (including Pay with Points). You can pay per rental to upgrade to primary coverage through the American Express Premium Car Rental Protection program.
  • Emergency medical transportation: At no cost if the Premium Global Assist Hotline medical department determines it is medically necessary and advisable due to inadequate local facilities. You must be traveling more than 100 miles from home on a trip of 90 days or less.

Annual fee: $550 (see rates and fees)

The Delta Reserve Amex provides a 3.6% return on Delta flights and Delta Vacations, as well as travel protections that can protect you on eligible round-trips. I’d personally opt to use the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred Credit Card to purchase flights or pay taxes and fees on award flights. But, the Delta Reserve does offer decent travel protections if you don’t have any of these Chase-issued cards or want to earn Delta miles.

To learn more, check out the full Delta SkyMiles Reserve American Express Card review and take a look at the terms and conditions of each benefit. And here’s the official application link: Delta SkyMiles Reserve American Express Card.

Related: Choosing the best credit cards for Delta flyers

Bank of America Premium Rewards credit card

Sign-up bonus: 50,000 points after you spend $3,000 on purchases in the first 90 days from account opening. This bonus is worth $500.

Rewards: 2x points on travel and dining and 1.5x points on all other purchases.

Travel insurance:

  • Trip delay reimbursement: Up to $500 per ticket if you’re delayed more than 12 hours
  • Trip cancellation and interruption protection: Up to $50,000 per person, per trip for unused pre-paid, non-refundable travel expenses
  • Baggage delay: Up to $100 reimbursed per day for up to five days if your baggage is delayed more than six hours
  • Lost luggage reimbursement: Provides coverage for luggage and its contents if they are lost or stolen due to theft or misdirection by your common carrier
  • Emergency evacuation and transportation coverage: Covers eligible medical services and transportation if you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation.
  • Rental car coverage: Secondary coverage for damages caused by theft or collision.

Annual fee: $95

The Bank of America Premium Rewards credit card is a good option for those who want a rewarding credit card with substantial travel protection and a reasonable annual fee. The card offers exceptional value in exchange for the $95 annual fee. For example, you’ll get an up to $100 Global Entry/TSA Precheck application fee credit every four years and an annual up to $100 airline incidental credit.

This card is ideal for Bank of America Preferred Rewards members, who earn between 25%-75% more points on their purchases. That means the card’s 2x earnings on travel and dining could increase up to 3.5 points per dollar. Meanwhile, the 1.5x earnings on all other purchases could increase as high as 2.62 points per dollar.

To learn more, check out the full Bank of America Premium Rewards Visa Credit Card review.

Related: The best Bank of America credit cards of 2020

U.S. Bank Altitude Reserve Visa Infinite Card

U.S. Bank Altitude Reserve Visa Infinite Card (Photo by John Gribben for The Points Guy)
(Photo by John Gribben/The Points Guy)

Sign-up bonus: 50,000 points after you spend $4,500 in the first 90 days of account opening. These points are worth $750 when redeemed to offset eligible travel purchases. However, this card is only available to U.S. Bank customers who have an eligible U.S. Bank account relationship open and active at least five business days before applying.

Rewards: 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 3x points on eligible travel purchases and Apple Pay, Google Pay, Samsung Pay and LG Pay mobile wallet spending; 3x points on takeout, food delivery and dining through Dec. 31, 2020; 1x points on everything else

Travel insurance:

  • Trip delay reimbursement: Up to $500 per ticket purchased with your card if you’re delayed more than six hours or require an overnight stay
  • Trip cancellation and interruption protection: Up to $2,000 per person, but only to cover non-refundable common carrier tickets
  • Lost baggage reimbursement: Up to $3,000 per trip (up to $2,000 per bag for New York residents) if your checked or carry-on bag (or its contents) is lost due to theft or misdirection by a common carrier
  • Emergency evacuation coverage: Up to $10,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home (100-mile requirement waived for New York residents)
  • Travel accident insurance: Up to $500,000
  • Rental car coverage: Primary coverage for damages caused by theft or collision up to the actual cash value for rental vehicles with a manufacturer’s suggested retail price of $75,000 or less when new. You may rent up to 15 consecutive days in your home country and up to 31 straight days in other countries.

Annual fee: $400 ($75 for each additional card)

The U.S. Bank Altitude Reserve Visa Infinite Card can be an excellent choice for daily spending and travel purchases, especially if the merchants you shop with accept mobile wallet payments. But, the card doesn’t include baggage delay protection and the trip cancellation and interruption protection only covers common carrier tickets. However, the Altitude Reserve provides a solid alternative to those who can’t get accepted for a Chase card.

For more information, check out the full U.S. Bank Altitude Reserve Visa Infinite Card review. And you can find the guide to benefits here.

Related: What credit score is needed for a U.S. Bank Card?

Main benefits of having a credit card with travel insurance

(Photo by Nick Ellis/The Points Guy)
(Photo of the Ritz-Carlton South Beach by Nick Ellis/The Points Guy)

There are multiple benefits to having a credit card that provides travel insurance when you pay for eligible travel expenses with your card. The main advantage is simplicity: I don’t need to research independent travel insurance unless I’m going on a trip for which my credit card’s travel insurance doesn’t provide the level of coverage I want.

Having a credit card with travel insurance can also save you money. My sister-in-law recently paid more than $100 to purchase theft and collision insurance from a car rental company. After that experience, she finally got the Chase Sapphire Preferred to obtain similar coverage as a card perk. Now, she can recoup her annual fee even if she just rents a car a couple of times each year.

Finally, having a credit card with travel insurance provides reassurance. I don’t need to worry if bad weather causes a flight cancellation and I’m stranded away from home overnight since I know my card will provide trip delay protection. And, I’m almost happy when the airline temporarily misplaces my checked bag for a few days, as my card’s baggage delay insurance means I can purchase some essential clothing items while I wait.

Related: Why you might want to get a premium credit card instead of purchasing travel insurance

How to submit a claim

If you’re in a situation where you believe you may be eligible for your credit card’s travel insurance, your first step should be to read your card’s guide to benefits or call the number on the back of your card. Even if you believe you’ll be covered after reading your card’s guide to benefits, it is usually a good idea to call the number on the back of your card. By calling, you can ensure you’re covered, learn about deadlines for making your claim and determine what documents you’ll need to collect.

The benefits administrator will usually walk you through the necessary steps for making your claim. Luckily, many card issuers now allow you to file claims online, so you may not even need to send in any physical documents. Be sure to pay attention to any deadline for starting your claim and uploading documents, as well as any specific requirements for requested documentation.

Related: What proof is needed for Chase’s trip insurance?

What card should I use for travel insurance?

The Amex Platinum‘s 5x points for airfare booked directly through airlines or Amex Travel is impressive. But, the lack of baggage delay protection and the requirement of round-trip travel usually discourages me from using Amex-issued cards for flights.

Instead, I use the Chase Sapphire Reserve when booking flights and other common carrier travel due to the solid mix of earning and protections. Or, if you can’t quite justify the Chase Sapphire Reserve’s $550 annual fee, the Chase Sapphire Preferred Card and Ink Business Preferred Credit Card both provide good travel protections for a sub-$100 annual fee.

Related: When to buy travel insurance versus when to rely on credit card protections

For rates and fees of the Amex Platinum, please click here.
For rates and fees of the Amex Business Platinum, please click here.
For rates and fees of the Delta Reserve Amex, please click here.

Featured photo of Mission Beach in San Diego by Art Wager/Getty Images.

2020 TPG Award Winner: Premium Card of the Year
Chase Sapphire Reserve®

SIGN-UP BONUS: 50,000 Points

TPG'S BONUS VALUATION*: $1,000

CARD HIGHLIGHTS: 3X points on all travel and dining, $300 annual travel credit, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. From 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Earn 3x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services
Regular APR
16.99%-23.99% Variable
Annual Fee
$550
Balance Transfer Fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater
Recommended Credit
Excellent

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.