The best credit cards that offer trip cancellation and interruption coverage

Mar 16, 2020

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Editor’s note: This post has been updated with the most current information. It was originally published on Oct. 31, 2019.

No one expects their trip to be canceled or interrupted. But things happen. Perhaps a family member is suddenly hospitalized, you’re quarantined or you have an emergency that makes your home uninhabitable and you have to oversee repairs.

(Photo by Dennis M. Rivera Pichardo for The Washington Post via Getty Images)
(Photo by Dennis M. Rivera Pichardo for The Washington Post via Getty Images)

In these kinds of situations, you’ll usually lose what you’ve spent on prepaid, nonrefundable expenses such as hotels, flights and tours if you decide not to go on a trip, regardless of the reason you cancel. In all likelihood, you’ll also be on the hook for change fees and other arrangements if you need to return home early or change your travel dates.

But if you pay for your trip with select credit cards, you might be covered. One credit card benefit many people overlook is trip cancellation and interruption protection. This guide describes the trip cancellation and interruption protection benefits offered by select credit cards, as well as the best cards that offer this benefit.

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In This Post

Best credit cards for trip cancellation and interruption insurance

These are my top picks for trip cancellation and interruption insurance, but many other cards also offer trip cancellation and interruption protection. The best card for you to use for a trip depends on many factors: the cost of your trip, whether paying with a specific card gets you benefits with the travel provider, the earnings provided by the card and more.

Related reading: The best travel credit cards

In This Post

What is trip cancellation and trip interruption insurance?

(Photo by Beatrix Boros/Stocksy)
If you book travel with the right card, you may be covered if you need to cancel or interrupt your trip for covered reasons. (Photo by Beatrix Boros/Stocksy)

Trip cancellation and interruption insurance provides reimbursement for nonrefundable, prepaid trip expenses when a trip must be canceled or altered due to a covered situation. And in some cases, you may be covered for some additional expenses. Maximum coverage amounts and eligible expenses vary from card to card.

Generally, trip cancellation insurance provides reimbursement when a trip must be canceled before its departure date and trip interruption insurance provides reimbursement when an ongoing trip is interrupted or canceled.

Although you can often buy travel insurance that will provide a refund if you cancel your trip for any reason, credit card trip cancellation and trip interruption insurance doesn’t work the same way. Card-provided insurance has specific covered losses and exclusions that define the situations in which you can claim reimbursement — and these vary from card to card.

Related reading: Will independent travel insurance cover coronavirus? Here’s what you should know

Many different types of cards — including some credit cards with no annual fee — offer trip cancellation and interruption insurance when you purchase travel with your card. The remainder of this guide details some of our favorite cards and issuers that offer trip cancellation and interruption benefits. Of course, benefits change frequently so it’s best to take a look at your card’s guide to benefits to ensure you understand the protections it provides.

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

Premium Chase credit cards

The Chase credit cards in the table below provide trip cancellation and interruption insurance with relatively high maximum coverage amounts.

Credit card Coverage amount Annual fee
Chase Sapphire Reserve Up to $10,000 per covered person with a maximum of $20,000 per trip $550
Chase Sapphire Preferred Card Up to $10,000 per covered person with a maximum of $20,000 per trip $95
United Club Card Up to $10,000 per covered person with a maximum of $20,000 per trip $450
The Ritz-Carlton Rewards Credit Card (no longer accepting applications) Up to $10,000 per covered person with a maximum of $20,000 per trip $450
IHG Rewards Club Premier Credit Card Up to $5,000 per covered person with a maximum of $10,000 per trip $89, waived the first year
IHG Rewards Club Traveler Credit Card Up to $5,000 per covered person with a maximum of $10,000 per trip $0
The World of Hyatt Credit Card Up to $5,000 per trip $95
Ink Business Preferred Credit Card Up to $5,000 per covered person with a maximum of $10,000 per trip $95

The information for the United Club Card and Ritz-Carlton Rewards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

The following information is based on the Chase Sapphire Preferred Card‘s guide to benefits dated Dec. 1, 2019 (see the guide to benefits here). I believe the other Chase premium cards listed above provide similar benefits but check your card’s guide to benefits to ensure your coverage is the same.

When you use an eligible Chase card to pay for eligible travel expenses, you and your immediate family may be covered when:

  • Some portion of the cost has been charged to your Chase credit card
  • The trip will not exceed 60 days in duration

If you used Chase Ultimate Rewards to pay for part or all of your eligible trip expenses, you’ll be reimbursed the monetary value of the redemption or $0.01 per point if the value doesn’t appear on your itinerary or confirmation.

Related reading: How and why one TPG contributor canceled his trip due to coronavirus concerns

You’ll only be eligible for reimbursement if certain events cause cancellation or interruption of your travel arrangements. For example, the Chase Sapphire Preferred’s guide to benefits indicates trip cancellation and interruption coverage may be provided for the following events:

  • Accidental bodily injury, loss of life, or sickness experienced by you or your traveling companion which prevents you or your traveling companion from traveling on the trip
  • Accidental bodily injury, loss of life, or sickness experienced by an immediate family member of you or your traveling companion when the accidental bodily injury or sickness is considered life-threatening, requires hospitalization, or such immediate family member requires care by you or your traveling companion
  • Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a trip and occurs: 1) at the point of origin of the trip prior to departure; or 2) in the path between your place of permanent residence and the point of origin of the trip prior to departure; or 3) within 50 miles of the airport, terminal, station, booked lodging, and/or host at destination location listed on your travel itinerary; and which: A) impacts a reasonable and prudent person’s ability to: (a) safely travel to the departure point of a common carrier on which you are scheduled to travel; or (b) safely remain at a booked provider of lodging, or a host at destination location listed on your travel itinerary; or B) causes the cessation of operation of a common carrier for which you are scheduled to travel provided that such cessation of operation causes you to: (a) miss at least 20% of the scheduled duration of the trip; or (b) miss the departure of a prepaid cruise, or tour (booked through a tour operator) that you are scheduled to take; or C) causes a provider of lodging with which you booked accommodations to cease normal operations
  • Named storm warning
  • Change in military orders for you or your spouse
  • A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived
  • You or your traveling companion’s place of permanent residence being made uninhabitable, being burglarized, or damaged by fire or flood
  • You or your traveling companion’s lodging accommodations at the destination of the trip being made uninhabitable
  • The death or hospitalization of you or your traveling companion’s host at destination
  • Quarantine of you or your traveling companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons
  • An organized strike affecting public transportation which causes you or your traveling companion to a) miss at least 20% of the scheduled duration of the trip; or b) miss the departure of a prepaid cruise, or tour (booked through a tour operator) that you are scheduled to take
  • The following losses are specific to trip cancellation:
    • Terrorist incident within 25 miles of you or your traveling companion’s place of permanent residence within 30 days of your scheduled departure date; or a terrorist incident within 25 miles of an airport, booked lodging, and/or host at destination location listed on the itinerary within 30 days of the scheduled arrival
    • A travel warning due to terrorism issued by the branch of the United States government with jurisdiction to issue such warning for the immediate vicinity of you or your traveling
      companion’s place of permanent residence within ten days of the scheduled departure date; or a travel warning due to terrorism issued by the United States Department of State or another branch of the United States government with jurisdiction to issue such warning for a geographic area within 25 miles of an airport, booked lodging, and/or host at destination location that is in effect within 30 days immediately preceding the scheduled departure date
  • The following losses are specific to trip interruption:
    • Terrorist incident within 25 miles of an airport, booked lodging, and/or host at destination location listed on your itinerary while on a trip
    • Travel warning due to terrorism issued by the United States Department of State or another branch of the United States government with jurisdiction to issue such warning for a geographic area within 25 miles of an airport, booked lodging, and/or host at destination location that is issued during your or your traveling companion’s trip
CRAIG, MISSOURI - MARCH 22: Floodwater surrounds a farm on March 22, 2019 near Craig, Missouri. Midwest states are battling some of the worst floodings they have experienced in decades as rain and snowmelt from the recent "bomb cyclone" has inundated rivers and streams. At least three deaths have been linked to the flooding. (Photo by Scott Olson/Getty Images)
If your home floods and is considered uninhabitable, you may be able to cancel or interrupt your trip and be reimbursed. (Photo by Scott Olson/Getty Images)

However, you won’t be eligible for reimbursement if any of the following directly or indirectly cause the trip cancellation or interruption:

  • A change in plans, financial circumstances, and any business or contractual obligations of you or your traveling companion and his or her immediate family members
  • A pre-existing condition or any other event that occurs or commences prior to the initial deposit date or booking date of the trip
  • Any loss due to the voluntary surrender of unused vouchers, tickets, credits, coupons, or travel privileges available to you from the travel supplier prior to their expiration date
  • Travel arrangements that are scheduled to take place after the twenty-sixth week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization
  • Any loss for any trip booked while on a waiting list for specified medical treatment
  • Any loss for any trip that is booked to obtain medical treatment
  • Disinclination to travel due to civil unrest
  • Failure of you or your traveling companion to obtain necessary visas, passports, or requisite travel documents
  • Your commission or attempted commission of any illegal act, including any felony
  • Your suicide, attempted suicide, or intentionally self-inflicted injury
  • You being under the influence of any narcotic, legal recreational marijuana, or other controlled substance at the time of a loss (except if the narcotic or other controlled substance is taken and used as prescribed by a physician)
  • Your disinclination to travel due to an epidemic or pandemic
  • The default of the common carrier resulting from financial insolvency or financial insolvency of a travel agency, tour operator, or travel supplier
  • War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel, any action taken in hindering or defending against any of these, the destruction or seizure of property for a military purpose, or any consequences of any of these acts (war does not include terrorism)
  • For trip cancellation only:
    • Trips booked to any area known to be associated with terrorist activity
  • For trip interruption only:
    • Travel arrangements canceled or changed by a travel supplier unless the cancellation is the result of severe weather or an organized strike affecting public transportation, or unless specifically covered herein
    • Any terrorist incident or travel warning that occurred within 25 miles of your or your traveling companion’s place of permanent residence within 30 days prior to the initial deposit date or booking date of the trip
    • A terrorist incident within 25 miles of an airport, booked lodging, and/or host at destination location listed on your itinerary within 30 days of your initial deposit date or booking date of the trip

Related reading: Best Chase credit cards

In general, you may only be reimbursed for eligible nonrefundable, prepaid travel expenses charged by a travel supplier or redeposit fees imposed by a rewards program administrator. A travel supplier is defined as a travel agency, tour operator, provider of lodging, rental car agency, rented recreational vehicle provider, commercial recreational excursion provider, cruise line, airline, railroad and other common carriers. However, for trip interruption you may also be reimbursed for:

  • Change fees
  • Costs to return a rental vehicle to the closest rental agency
  • Costs to return your personal vehicle to your closest leased or owned residence
  • Ground transportation expenses up to $250 to directly transport you for necessary medical treatment to the airport, terminal or station of departure, and/or between the arrival airport, terminal or station and your residence (not including transportation in vehicles operated by a medical facility or specifically designed to transport sick or injured individuals)
  • Prepaid unused nonrefundable land, air, and/or sea arrangements (if you are forced to temporarily postpone a trip due to a loss and a new departure date is set)

Additionally, be aware of the following specific restrictions to this protection:

  • If your trip cancellation or trip interruption results in a credit for future travel, accommodations, or other consideration being issued by the travel supplier, you will not receive any payment for that portion of the eligible travel expenses until the issued credit expires
  • No benefit will be paid for any eligible travel expense unless a portion of such expense has been charged to your card
  • Additional transportation expenses will not be reimbursed, including the difference in cost between the original fare or any new fare to return home or rejoin the trip
  • If you are eligible for insurance under multiple credit card accounts, you will only be insured under the account which provides the largest benefit amount for the loss that occurred

Apply here for the Chase Sapphire Reserve, Chase Sapphire Preferred Card, United Club Card, IHG Rewards Club Premier Credit Card, IHG Rewards Club Traveler Credit Card, The World of Hyatt Credit Card or Ink Business Preferred Credit Card

Other select Chase credit cards

(Photo by The Points Guy)

The United Explorer Card, United TravelBank Card, Chase Freedom (No longer open to new applicants) and Chase Freedom Unlimited also provide trip cancellation and interruption insurance. However, if you have a covered loss — which is defined similarly to the premium Chase cards discussed in the previous section — these cards will only reimburse nonrefundable prepaid travel expenses charged by a cruise line, airline, railroad or other common carriers. The information for the United TravelBank 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.

Related reading: Chase Freedom vs. Chase Freedom Unlimited: Which card is right for you?

Eligible travel expenses include change fees imposed by a travel supplier to change the date and/or time of prescheduled travel arraignments of a trip that has not been canceled, as well as redeposit fees imposed by a rewards program administrator. The insurance will reimburse up to $1,500 for each covered person per trip to a maximum of $6,000 for all covered persons traveling together on the same trip.

Select American Express cards

(Photo by Wyatt Smith/The Points Guy)
Some of our favorite Amex cards added trip cancellation and interruption insurance for trips booked on or after Jan. 1, 2020. (Photo by Wyatt Smith/The Points Guy)

The following Amex cards offer trip cancellation and interruption insurance for eligible round-trip itineraries:

You can find benefit guides for all of these cards on Amex’s website. For trip cancellation, Amex may reimburse you for the nonrefundable amount paid to a travel supplier with your eligible card if a covered loss causes an eligible traveler’s trip cancellation, subject to the cancellation provisions in effect at the time the travel supplier is notified of the cancellation.

Related reading: Choosing the best American Express credit card for you

Based on the benefits guide for these Amex cards, covered losses include trip cancellations or trip interruptions that result from the following:

  • Accidental bodily injury or loss of life or sickness of either the eligible traveler, traveling companion or a family member of the eligible traveler or traveling companion
  • Inclement weather, which prevents a reasonable and prudent person from traveling or continuing on a covered trip
  • The eligible traveler or his or her spouse’s change in military orders
  • Terrorist action or hijacking
  • Call to jury duty or subpoena by the courts, either of which cannot be postponed or waived
  • The eligible traveler or traveling companion’s dwelling made uninhabitable
  • Quarantine imposed by a physician for health reasons

However, for trip cancellation and interruption insurance, coverage does not apply to any accident, accidental bodily injury or loss caused by or resulting from the following, directly or indirectly:

  • Pre-existing conditions
  • The eligible traveler’s suicide, attempted suicide or intentionally self-inflicted injury
  • A declared or undeclared war
  • Mental or emotional disorders, unless hospitalized
  • The eligible traveler’s participation in a sporting activity for which he or she receives a salary or prize money
  • The eligible traveler being intoxicated at the time of an accident (intoxication is defined by the laws of the jurisdiction where such accident occurs)
  • The eligible traveler being under the influence of any narcotic or other controlled substance at the time of an accident, unless the narcotic or other controlled substance is taken and used as prescribed by a physician
  • The eligible traveler’s commission or attempted commission of any illegal or criminal act, including but not limited to any felony
  • The eligible traveler parachuting from an aircraft
  • The eligible traveler engaging or participating in a motorized vehicular race or speed contest
  • Dental treatment except as a result of accidental bodily injury to sound, natural teeth
  • Any non-emergency treatment or surgery, routine physical examinations
  • Hearing aids, eyeglasses or contact lenses
  • One-way travel that does not have a return destination
  • A counterfeit scheduled airline or train ticket; or a scheduled airline or train ticket which is charged to a fraudulently issued or fraudulently used eligible card
  • Any occurrence while the eligible traveler is incarcerated
  • Loss due to intentional acts by the eligible traveler
  • Financial insolvency of a travel agency, tour operator, or travel supplier
  • Any expenses that are not authorized and reimbursable by the eligible traveler’s employer if the eligible traveler makes the purchases with a commercial card
Bratislava brewpub Fabrika offers a flight of five beers for 5 euro. Four of the five beers are made in-house.Photo by Gene Sloan / The Points Guy
You won’t be covered if you were intoxicated at the time of the incident. (Photo by Gene Sloan/The Points Guy)

If a covered loss causes an eligible traveler’s trip interruption, Amex may reimburse you for the nonrefundable amount paid to a travel supplier with your eligible card for the following:

  • The forfeited, nonrefundable, prepaid land, air and sea transportation arrangements that were missed
  • Additional transportation expenses that the eligible traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the eligible traveler to rejoin his or her common carrier covered trip or to return to his or her place of origin

If a covered loss causes an eligible traveler to temporarily postpone transportation by a common carrier for a covered trip and a new departure date is set, Amex will reimburse you for the following:

  • The additional expenses incurred to purchase tickets for the new departure (not to exceed the difference between the original fare and the economy fare for the rescheduled covered trip by the most direct route)
  • The unused, nonrefundable land, air, and sea arrangements paid to a travel supplier with your eligible card

The protection offered for eligible trips purchased on these cards may reimburse up to $10,000 per trip, with a maximum of up to $20,000 per eligible account for each consecutive 12-month period. To be eligible, you must book a round-trip (travel to one or more destinations that begins and ends in the original city of departure) using an eligible card. You can either pay for the entire fare using the card, pay using Pay With Points, pay for part of the fare with your card and part of the fare using redeemable certificates, vouchers, coupons or discounts awarded from a frequent flyer program or similar program or pay the taxes and fees on an award ticket using the card.

Since you’ll need to book an eligible round-trip using one of the eligible cards and use that same card for any other travel expenses you want to be covered, your best option is The Platinum Card from American Express. The Amex Platinum earns five points per dollar spent on flights booked directly with airlines, as well as on prepaid hotels and airfare booked with Amex Travel. And, the Amex Platinum offers various other useful benefits.

Apply here for The Platinum Card from American Express, The Business Platinum Card® from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, Marriott Bonvoy Brilliant™ American Express® Card or Hilton Honors Aspire Card from American Express

Select Bank of America credit cards

The Bank of America® Premium Rewards® credit card provides reimbursement of up to $5,000 per person, per trip, for unused prepaid nonrefundable travel expenses including passenger fares, tours and hotels if you have to cancel due to a covered reason. The card has a $95 annual fee, but you’ll earn two points for every dollar spent on travel and dining purchases and 1.5 points for every dollar spent on all other purchases. See the card review for more details.

Apply here: Bank of America® Premium Rewards® credit card

Select Barclays cards

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Some Barclays cards offer trip cancellation and interruption insurance. However, these benefits generally aren’t advertised publicly to potential applicants so I was only able to confirm that the following two Barclays cards offer trip cancellation and interruption insurance:

  • JetBlue Plus Card: up to $5,000 per insured person if certain unforeseen covered events cause you to cancel or interrupt your trip for a covered reason
  • AAdvantage Aviator Mastercard: up to $1,500 per insured person if certain unforeseen covered events cause you to cancel or interrupt your trip for a covered reason

The information for the JetBlue Plus and AAdvantage Aviator Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

If you currently have any Barclays cards, you can check the coverage provided by your cards online. Simply log in to your account, select the Rewards & Benefits drop-down menu, select My card benefits, click on Travel and then click Learn More by Trip Cancellation & Interruption. The resulting page will display details of the benefit. You can also click on Click here for Full Terms & Conditions for the guide to benefits.

Related reading: What card should I use during a trip delay, cancellation or interruption?

Visa Infinite cards

(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Although some Visa Infinite cards offer their own trip cancellation and interruption insurance, all Visa Infinite credit cards issued by U.S. banks offer a minimum level of protection. In this section, we discuss that minimum level — but it’s important to realize that the protection on your exact Visa Infinite card such as the UBS Visa Infinite Credit CardU.S. Bank Altitude Reserve Visa Infinite Card or the Scotia Momentum® VISA Infinite Card may be different.

The information for the UBS Visa Infinite Credit Card, U.S. Bank Altitude Reserve Visa Infinite Card and the Scotia Momentum® VISA Infinite 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.

Visa Infinite cards offer trip cancellation and interruption protection that covers the cardholder (you), your spouse or domestic partner and your dependent children when you purchase your travel ticket with your Visa Infinite card or rewards associated with your card. This benefit can reimburse up to $2,000 per insured person for the nonrefundable cost of passenger fare on a common carrier if you must cancel or interrupt your trip for a covered reason.

There are only two covered reasons: default of the common carrier resulting from financial insolvency and the death, accidental bodily injury, disease or physical illness of you or an immediate family member. Your guide to benefits will have the full list of exclusions, but Visa’s website provides a pdf with the following examples of instances when you would not be covered: trips canceled as a result of a pre-existing condition; accidental injuries arising from participation in some sporting events, racing or speed contests; most types of cosmetic surgery; illness or injury that occurred under the influence of drugs or alcohol; and uncertified scuba diving.

Related reading: Everything you need to know about the Visa Infinite program and perks

What is the difference between trip cancellation and trip interruption coverage?

The mainm difference between trip cancellation and trip interruption coverage is timing. Trip cancellation insurance protects your trip from when you make the initial payment to the time of your scheduled departure. On the other hand, trip interruption insurance protects your trip from the day of your scheduled departure to your scheduled date of return.

Related reading: The best credit cards with travel insurance

What types of expenses are covered?

Prepaid travel expenses such as airfare may be covered. (Photo by Alberto Riva/The Points Guy)

The expenses that are covered vary greatly from card to card. For example, the Chase Freedom Unlimited and Chase Freedom will reimburse nonrefundable prepaid common carrier fares but not any other nonrefundable prepaid travel expenses. But premium cards like the Chase Sapphire Reserve will reimburse a wide variety of nonrefundable prepaid travel expenses charged by a travel supplier as well as redeposit fees imposed by a rewards program administrator.

Some cards may cover additional expenses under trip interruption that wouldn’t be covered under trip cancellation. For example, the Chase Sapphire Reserve will reimburse change fees and costs to return a rental vehicle to the closest rental agency or your personal vehicle to your closest leased or owned residence. Some cards may also reimburse for prepaid unused nonrefundable land, air, and/or sea arrangements if you must end your trip early due to a covered reason. And select Amex cards will even reimburse expenses for the eligible traveler to rejoin his or her trip or to return to his or her place of origin after a covered interruption.

However, you generally won’t be reimbursed for event tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest unless such expenses are included as part of a travel package. And there’s usually a per-person, per-trip and per-account maximum each year.

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

Who is covered?

Who is covered also varies from card to card. For example, eligible Chase cards cover you and your immediate family members who purchase all or a portion of a trip on your card. Chase defines immediate family member as someone with any of the following relationships to you:

Spouse, and parents thereof; sons and daughters, including adopted children and stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners and spouses of any individual of this definition.

Chase notes that “immediate family member” also includes legal guardians or wards and that immediate family members do not need to be traveling with the cardholder for benefits to apply.

On the other hand, eligible American Express cards cover you, your family members and traveling companions when you charge the full amount of an eligible trip (including common carrier round-trip fare) to your card or when you use a combination of your card and accumulated points on your card or redeemable certificates, vouchers, coupons or discounts awarded from a frequent flyer program or similar program. Amex defines traveling companions as “an individual who has made advanced arrangements with you or your family members to travel together for all or part of a covered trip” and family members as:

A spouse, domestic partner or unmarried dependent child up to age 19 (or under age 26 if a full time student at an accredited college or university)

So, although Amex will cover traveling companions, you’ll need to charge round-trip common carrier fares to your eligible Amex card to be covered. On the other hand, Chase doesn’t cover traveling companions, but does provide a rather wide interpretation of family and doesn’t require round-trip common carrier travel.

Related reading: Are authorized users covered by credit card travel insurance?

How do I file a claim?

(Photo by Poike / Getty Images)
You may be able to file your claim online. (Photo by Poike/Getty Images)

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 and/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 to 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 make 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 reading: What proof is needed for Chase’s trip insurance?

Bottom line

The trip cancellation and interruption insurance provided by select credit cards can come in handy when something unexpected forces you to cancel or interrupt a trip. If you need to cancel a trip for a covered reason and you put your initial trip expenses on a credit card offering trip cancellation insurance, you may be reimbursed your prepaid, nonrefundable expenses up to a particular maximum. If you need to interrupt a trip, most cards offering trip interruption insurance will simply cover any change fees and/or reimburse unused portions of your trip.

However, there are many exclusions, so it pays to read the guide to benefits on your favorite cards and determine whether it’s better to rely on the coverage provided by your card or whether you should purchase travel insurance. Some travel insurance policies let you cancel for work reasons or even cancel for any reason — but you’ll be paying a premium for these policies.

Related: Battle of the premium travel rewards cards: Which is the best?

Featured photo by Cecilie_Arcurs/Getty Images.

2019 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.

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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
  • 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
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 Credit

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.

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