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Looking for the best credit card for travel insurance? We’ve got you covered. Find top options with extensive coverage and benefits for your trips.
Earning points and miles is great, but one of the true benefits of a credit card designed for business travel is being able to tap into valuable travel insurance benefits when the unforeseen occurs—whether it’s lost luggage, a delayed trip, an accident, or worse. Don’t leave your travel plans to chance – prioritize your protection and enjoy worry-free adventures by selecting the best credit card for travel insurance.
United Explorer Card – United’s Best Credit Card for Travel Insurance
The United Explorer Card is the go-to choice for travelers who frequently fly with United Airlines. This card offers exceptional value at a reasonable cost, making it appealing to both frequent and occasional fliers alike.
One of the notable features of the United Explorer Card is the inclusion of two annual airport lounge passes, providing access to United Club lounges. Additionally, the card offers reimbursement for Global Entry or TSA Precheck fees. This perk streamlines your airport experience, saving you time and hassle during security checks and immigration processes.
The United Explorer Card goes beyond the typical benefits of co-branded airline cards by providing primary car rental coverage. This coverage offers peace of mind when renting a vehicle, as it serves as the primary insurance in case of any unfortunate incidents.
In addition to the core benefits of free checked bags, priority boarding, and frequent flier miles, the United Explorer Card offers comprehensive travel insurance coverage. This includes protection for lost luggage, trip delays, and cancellations, ensuring that you are covered against unexpected events that may disrupt your travel plans.
To make your travel experience even more convenient, the card provides access to a dedicated travel concierge. This service is available to assist you in planning your trips, offering expert guidance and support.
| At a Glance | Pros | Cons |
| Annual fee: $0 intro annual fee for the first year, then $95 Regular APR: 21.49% – 28.49% variable Intro offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open | The first-year annual fee waiver A complimentary first checked bag and Priority Boarding Unlimited miles with no limitations or caps | High regular APR Saver Awards come with seat limitations |
Chase Sapphire Preferred – Best Mid-Priced Credit Card for Travel Insurance
The Chase Sapphire Preferred Card is a highly versatile and valuable choice for travelers. With this card, you can earn rewards, known as Ultimate Rewards points, in various ways and strategically redeem them for travel experiences. One remarkable aspect is the card’s capacity to transfer points to a diverse array of loyalty programs, including major players like United Airlines, Southwest Airlines, Marriott, and Hyatt. This flexibility allows you to maximize the value of your points and enjoy exciting travel opportunities.
The card’s bonus categories encompass travel, dining, online grocery purchases, and streaming services, providing ample opportunities to earn bonus points on everyday expenses.
In addition to its earning potential, the Chase Sapphire Preferred Card offers flexibility in point redemption. You can choose how and when to use your points, tailoring your redemptions to suit your travel preferences and goals. This freedom ensures that your rewards align with your unique travel needs. The card also boasts attractive benefits such as no foreign transaction fees, making it an excellent companion for international travel.
Furthermore, it provides comprehensive travel insurance coverage, providing peace of mind during your journeys. It includes primary car rental insurance, protection against travel interruption and cancellation, coverage for travel accidents, and reimbursement for lost or delayed luggage.
| At a Glance | Pros | Cons |
| Annual fee: $95 Regular APR: 21.24% – 28.24% variable Intro offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. | Generous rewards on various categories of spending Transfer points to travel partners at a 1:1 rate, maximizing their value and flexibility A wide range of travel and shopping protections | No intro APR offer The best travel earning rates are only for bookings through Chase |
Ink Business Preferred– Best Credit Card for Business Owners
The Ink Business Preferred Credit Card is a powerful business credit card designed to cater to a wide range of business owners and entrepreneurs. Whether you have a brick-and-mortar business, operate online, work as a freelancer, or engage in e-commerce, this card is accessible to you.
Business owners who frequently travel or have spending that aligns with the bonus categories will find great value in the Ink Business Preferred Credit Card, despite its $95 annual fee. It offers a range of benefits and rewards that make it worthwhile for those who make business-related purchases regularly. Members will appreciate the extensive range of protections offered by the card, including valuable features such as cell phone insurance, rental car insurance, and purchase protection, among others.
Notably, this card excels in handling monthly bills, making it a convenient choice for managing various expenses associated with running a business.
| At a Glance | Pros | Cons |
| Annual fee: $95 Regular APR: 20.99% – 25.99% variable Intro offer: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening | Lucrative new cardholder bonus Accelerated rewards in bonus categories Flexible transfer partners | No intro APR offer |
American Express Platinum- The Best Credit Card for Luxury Travel Benefits
This premium card comes with a higher price tag, but for frequent travelers looking to maximize their rewards and indulge in luxury, it’s well worth it.
Designed for those who want to fully leverage a rich set of luxury travel benefits and the Platinum Concierge service, The Platinum Card is in a league of its own. The annual fee, currently set at $695 (previously $550 in 2021), may be among the highest in the industry, but it provides an extensive range of benefits that span travel, entertainment, dining, retail, and wellness. The card’s other travel benefits include primary and secondary coverage on car rentals, up to $3,000 in baggage insurance, and travel accident insurance of up to $500,000.
With best-in-class airport lounge access, hotel elite status, and substantial value in annual card credits, The Platinum Card offers tremendous value year after year. It’s not just about saving money; it’s about getting more for the money you spend. If you’re a frequent spender with high expectations, this original luxury card may be the perfect fit for you.
| At a Glance | Pros | Cons |
| Annual fee: $695 Regular APR: 29.99% variable Intro offer: Earn 80,000 points after spending $6,000 on purchases in the first 6 months | Over $1,500 in annual statement credits Provides access to a wide range of airport lounges worldwide Coverage against theft or damage to your cell phone is provided through cell phone protection when you pay your monthly bill with your card | High annual fee Airline credit does not cover airfare |
Capital One Venture Rewards Credit Card – Best Capital One Card for Travel Insurance
The Capital One Venture Rewards Credit Card is a highly popular and heavily advertised credit card that stands out for its range of benefits and rewards, particularly for travel enthusiasts. Unlike many airline-branded cards, the Capital One Venture Rewards Credit Card offers a high rewards rate on all purchases, not just on travel expenses. This means you can earn rewards on everyday spending and use them to pay for any travel-related expenses without restrictions on airlines, hotels, or travel dates.
One of the key advantages of this card is its ease of redemption. There are no complicated processes or limitations. You can simply use your rewards to offset any travel expense, making it a hassle-free experience.
The Capital One Venture Rewards Credit Card also provides valuable trip protection benefits. These include rental car coverage, travel accident insurance, and round-the-clock travel assistance services in case of card loss or theft.
In addition, the card often provides a substantial bonus for new cardholders, making it an enticing option for those looking to maximize their rewards from the start. This, coupled with the ability to earn rewards on all purchases, makes it a versatile and appealing choice for many.
For those seeking a 1-card setup when it comes to travel rewards, the Capital One Venture Rewards Credit Card fits the bill. It offers premium benefits, including lounge access, and consolidates all travel purchases through Capital One Travel. This streamlined approach simplifies the travel rewards experience.
| At a Glance | Pros | Cons |
| Annual fee: $395 Regular APR: 21.99% – 28.99% variable Intro offer: Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months | No foreign transaction fees Provides travel accidental insurance coverage at no extra charge Miles are effortless to earn and redeem | Limited selection of domestic airline and upscale hotel travel partners The Capital One lounge network is still in its early stages, with limited options available No hotel status benefits |
United Club Infinite Card – Best Airline Card with Travel Insurance
This card not only offers a comprehensive range of travel benefits but also provides exclusive advantages tailored to enhance your United Airlines experience.
When it comes to protecting your belongings during travel, the United Club Infinite Card has you covered. If your luggage is lost or damaged by the airline, rest assured that you’re covered for up to $3,000. Additionally, if the airline causes a delay of more than 6 hours in delivering your bag, you’ll receive up to $100 per day for up to 3 days to cover necessary expenses. It’s peace of mind knowing that you’re protected against unforeseen baggage mishaps.
Furthermore, the United Club Infinite Card offers robust trip cancellation coverage. In the event that your trip needs to be canceled due to covered situations, you can receive up to $10,000 per traveler and $20,000 per trip to reimburse non-refundable travel expenses. It’s a safety net for those unexpected circumstances that may disrupt your travel plans.
Additionally, as a United Club Infinite Cardholder, you’ll enjoy primary rental car insurance coverage. This means that in the event of theft or collision damage to your rental vehicle, you’re covered. It’s one less thing to worry about when hitting the road during your travels.
| At a Glance | Pros | Cons |
| Annual fee: $525 Regular APR: 21.49% – 28.49% variable Intro offer: Earn 80,000 bonus miles +1,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open | No foreign transaction fees The value of United Club membership alone surpasses the annual fee, providing access to exclusive perks and amenities. The privilege of having your first and second checked bags free of charge | High annual fee No intro APR offer High regular APR |
U.S. Bank Altitude Reserve Visa Infinite Card – Best U.S. Bank Card for Travel Insurance
U.S. Bank Altitude Reserve Visa Infinite Card is a dream come true for avid travelers seeking luxurious perks and unrivaled travel benefits. With this prestigious card in hand, frequent globetrotters can effortlessly justify the high annual fee, thanks to its lavish travel perks and generous annual travel credit.
One of the most prominent features of the Altitude Reserve card is the $325 annual travel credit. Whether it’s flights, hotels, or other eligible travel expenses, this credit helps make your travel experiences even more enjoyable. Cardholders also receive four complimentary visits per year to Priority Pass airport lounges, ensuring that your pre-flight experience is nothing short of extraordinary.
In addition to its travel perks, the Altitude Reserve card offers robust travel protections. From primary auto rental collision damage waiver to trip cancellation and interruption coverage of up to $2,000 per trip, you can travel with peace of mind, knowing that you’re covered against the unexpected.
Furthermore, the card covers delays of 6 hours or more, providing up to $500 per claim to help ease any inconveniences. Lost luggage reimbursement, travel accident insurance, and emergency evacuation and transportation coverage up to $10,000 further enhance your travel confidence.
| At a Glance | Pros | Cons |
| Annual fee: $400 Regular APR: 21.99% – 28.99% variable Intro offer: Earn 50,000 bonus points worth $750 on travel | A 50% points bonus is enjoyed when redeeming for travel, providing even more value for your rewards. Up to $325 in annual travel credit Points can be earned without limits, enabling you to maximize your rewards potential | High annual fee No points transfer options available Free lounge access is limited to four visits per year |
Delta Skymiles Reserve American Express Card- Best Credit Card for Frequent Delta Fliers
This prestigious card is a must-have for frequent Delta fliers, offering an array of exclusive benefits that will leave you flying high.
One of the standout perks is the coveted access to the Sky Club, where you can unwind and indulge in luxury before your flight even takes off. The Delta SkyMiles Reserve American Express Card also grants you an annual companion certificate for eligible domestic flights (subject to taxes and fees), ensuring you never have to fly solo again. Bring along a travel partner and create unforgettable memories together.
When you fly Delta, say goodbye to the hassle of paying for your first checked bag. This incredible card provides a complimentary first checked bag, allowing you to pack without worry and save some extra cash for your adventures.
Not only that, but you’ll also enjoy priority boarding, allowing you to settle into your seat with ease and avoid the long lines.
| At a Glance | Pros | Cons |
| Annual fee: $550 Regular APR: 20.74%-29.74% Variable Intro offer: Earn 85,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 6 months | Comes with Delta perks such as a complimentary first checked bag and priority boarding on Delta flights Provides exclusive access to Delta Sky Club airport lounges during your Delta travels Has an annual companion certificate which can be used for both economy and first-class flights | High regular APR Mediocre earning rates on rewards The Companion Certificate provided is valid exclusively for domestic flights Complimentary Sky Club access is limited to one person |
Chase Sapphire Reserve- Best Overall for Travel Insurance
Chase Sapphire Reserve is a premium travel card that caters to avid travelers seeking exceptional benefits and rewards. While it does come with a high annual fee, it offers great value for those who can fully leverage its features.
The Chase Sapphire Reserve stands out with its annual $300 travel credit, which helps offset the annual fee. Additionally, its bonus rewards can be transferred at a 1:1 ratio to multiple loyalty programs, providing flexibility and enhancing the value of your rewards.
The Chase Sapphire Reserve card has plenty of travel perks, including excellent benefits surrounding trip cancellation. If you prepay for a trip, vacation, or pre-paid tour using the card or points accrued with the card, you reap a $10,000 trip cancellation or interruption benefit in the event of death, illness, or life actions, including being called for jury duty. Also covered are cancellations or interruptions due to severe weather, bankruptcy of a travel provider, hijacking, and terrorist activity. Trip delay and baggage delay coverage kicks in after only six hours.
If you can take advantage of its range of benefits and maximize its rewards potential, the Chase Sapphire Reserve is undoubtedly one of the best premium travel cards available. However, if you cannot fully utilize its niche benefits, exploring other travel card options may be more suitable for your needs.
| At a Glance | Pros | Cons |
| Annual fee: $550 Regular APR: 22.24% – 29.24% variable Intro offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months | $300 annual travel credit that can be used towards various travel expenses Points can be redeemed for travel through Chase, increasing the value of your rewards by 50% and maximizing their worth Valuable airline and hotel partners can be chosen to transfer points to | High annual fee High variable APR on purchases |
Secure Your Adventures by Choosing the Best Credit Card for Travel Insurance
In conclusion, choosing the best credit card for travel insurance is an essential step in securing your adventures. By selecting a card that offers comprehensive coverage, you can travel with peace of mind, knowing that you are protected against unexpected events and emergencies. Whether it’s trip interruption or cancellation, lost luggage, or medical emergencies, the right credit card can provide the necessary safeguards and assistance.
If you’re interested in discovering more about credit cards, we have articles featuring the best credit cards for various purposes, such as car rentals, booking a flight, and business travel. Explore our comprehensive resources to find the perfect credit card that suits your specific needs and enhances your overall travel experience.
