Travel insurance helps you get your money back when things go improper with your trip. And it remains a argument : Do you very need it, and is it worth it ? personally, I ’ ve much skipped travel indemnity, preferring to put the extra money toward my trip. Yet as I pulled into the airport after a winter ski trip to Jackson Hole, Wyoming, in my SUV lease, a snowplow kicked up a rock and a shot extended across the windshield. And just like that, I got in the awful rental car accident. thankfully, I had rented my car with my Delta SkyMiles® Gold American Express Card, which covered lease car windshield reimbursement. note that I had besides specifically opted out of the car rental ‘s policy coverage offered at the counter, which is a necessity in order to allow my credit card coverage to kick in. Terms apply. A numeral of credit cards provide respective types of travel insurance ( including trip cancellation, slip pause and car rental passing and damage insurance ) when you use your menu to pay for flights, lease cars and early locomotion expenses. sol do you need extra travel insurance ? possibly not.

What does your travel insurance cover?

beginning, let ’ s look at the different types of coverage that your credit rating card may offer to help protect your trip, from your bags to your rental car to your health .

  • baggage delay. If your baggage doesn ’ t arrive when you do, you may receive a reimbursement to offset the costs of having to purchase modern attire and other items you may need. The length of delay required and the coverage offered varies by card .
  • Lost/damaged baggage. If your bags are lost or damaged by a aircraft carrier, or items have been stolen from your baggage, your supplier may provide monetary recompense .
  • Trip delay. If your trip on a park carrier is delayed, you may receive monetary compensation to help cover meals, hotels, transportation and necessary purchases improving to a certain come per ticket .
  • Trip cancellation. If you need to cancel a postpaid, nonrefundable slip, you may receive compensation to offset the lose funds. This benefit broadly applies to cancellations for cover reasons, which vary by tease .
  • Trip break. If you miss a parcel of your trip due to a traverse reason, this benefit will reimburse you for any idle, prepay, nonrefundable reservations ( i.e., excursions, hotel nights ) .
  • checkup treatment. If you are hurt while traveling and require checkup treatment, checkup expenses may be covered up to a certain dollar come .
  • medical evacuation. If your illness or injury requires you to return home immediately for care, the indemnity coverage through your card may cover the costs .
  • Travel accident policy. In the case of accidental death or dismemberment, your credit poster may provide coverage to you or to your beneficiary
  • rental car insurance. This coverage provides protection to your lease car against larceny and damage. coverage may be primary or secondary coil to your personal car policy, depending on the card .

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Which rewards cards provide travel insurance?

Some of the best travel rewards cards include respective forms of locomotion insurance. These are a few of our front-runner cards that offer certain types of coverage. If you have a different travel rewards card, it ’ s a beneficial theme to check the benefits of your tease before assuming that it either does or doesn ’ t have any of the coverage listed here .Chase Chase Sapphire Reserve Credit Card

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  • Trip cancellation : up to $ 10,000 per person and $ 20,000 per trip. Maximum benefit of $ 40,000 per 12-month period .
  • Trip pause : up to $ 10,000 per person and $ 20,000 per slip. Maximum profit of $ 40,000 per 12-month period .
  • Trip check : up to $ 500 per slate for delays more than six hours .
  • baggage delay : up to $ 100 per day for five days .
  • Lost baggage : up to $ 3,000 per passenger .
  • travel accident : up to $ 1,000,000 .
  • lease cable car insurance : Up to $ 75,000 .

Chase Sapphire Preferred Credit Card

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  • Trip cancellation : up to $ 5,000 per person and $ 10,000 per tripper. Maximum benefit of $ 20,000 per 12-month period .
  • Trip pause : up to $ 5,000 per person and $ 10,000 per stumble. Maximum benefit of $ 20,000 per 12-month period .
  • Trip stay : up to $ 500 per ticket for delays more than 12 hours .
  • baggage delay : up to $ 100 per day for five days .
  • Lost baggage : up to $ 3,000 per passenger .
  • travel accident : up to $ 500,000 .
  • rental car indemnity : Up to the actual cash rate of the car .

Marriott Bonvoy Brilliant American Express Card

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  • Lost baggage : up to $ 2,000 for checked bag and up to $ 3,000 for checked and carry-on bag .
  • Travel accident policy. Up to $ 500,000 .
  • rental car indemnity : Up to $ 75,000 .
  • baggage delay : improving to $ 100 per day for five days .
  • Lost baggage : up to $ 3,000 per passenger .
  • Trip check : up to $ 500 per ticket for delays more than 12 hours .
  • baggage check : up to $ 100 per day for three days .
  • Lost baggage : up to $ 3,000 per passenger.
  • Travel accident insurance : Up to $ 250,000 to $ 500,000 ( Visa Platinum and Visa Signature, respectively ) .
  • rental car policy : Up to actual cash value of vehicle .

Chase United Airlines Mileage Plus Credit Card

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  • Trip cancellation : up to $ 1,500 per person and $ 6,000 per travel .
  • Trip pause : up to $ 1,500 per person and $ 6,000 per trip .
  • Trip delay : up to $ 500 per tag for delays more than 12 hours .
  • baggage check : up to $ 100 per day for three days .
  • Lost baggage : up to $ 3,000 per passenger .
  • Travel accident policy. Up to $ 500,000 .
  • rental car indemnity : Covers price or larceny with restrictions .
  • Lost baggage : up to $ 1,250 per person .
  • rental car insurance : Up to $ 50,000 .

Terms apply .American Express Platinum Credit Card

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  • Trip cancellation : up to $ 10,000 per trip. Maximum benefit of $ 20,000 per 12-month time period .
  • Trip interruption : up to $ 10,000 per trip. Maximum benefit of $ 20,000 per 12-month period .
  • Lost baggage : up to $ 3,000 per passenger .
  • Travel accident insurance. Up to $ 500,000 .
  • rental car indemnity : Up to $ 75,000 .

Terms apply .Capital One Venture Rewards Credit Card

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  • Lost baggage : up to $ 3,000 per passenger .
  • Travel accident policy : Up to $ 250,000 .
  • rental car policy : Covers wrong or larceny with restrictions .
  • Trip cancellation : astir to $ 10,000 per trip. Maximum benefit of $ 20,000 per 12-month period .
  • Trip interruption : improving to $ 10,000 per tripper. Maximum benefit of $ 20,000 per 12-month period .
  • baggage delay : up to $ 100 per carrier for three days .
  • Lost baggage : up to $ 3,000 per passenger .
  • Travel accident policy. Up to $ 500,000 .
  • rental car insurance : Up to $ 75,000 .

Do I need additional travel insurance?

even with the coverage listed above, some accredit cards offering travel indemnity benefits may not provide enough policy for your needs. For example, if you have paid $ 10,000 for a vacation using your batting order and travel cancellation is not offered, you may want to purchase extra coverage. Likewise, if you record a very expensive trip but your card entirely covers $ 10,000 in trip cancellation coverage, you may want to consider extra coverage. American Express offers full travel insurance options through AmEx Assurance. This specific profit is available to all travelers and does not require an American Express wag. You can pick and choose the coverage you want, and a quote will be processed based on your age, trip expense and days traveling. For case, here ‘s what we found when requesting policy for a two-day trip that costs $ 1,000. You can decide what coverage you ‘d like and see the full moon price of your options :

  • The quote we received cover 100 % reimbursement for cancellation, then offered different levels for early types of coverage .
  • aesculapian protection was available for $ 25,000 to $ 100,000 .
  • Travel accident protection was available for $ 250,000 to $ 1,500,000 .
  • baggage protective covering was available for up to $ 500 to $ 2,500 .
  • Trip delay coverage was offered for $ 150 to $ 1,000 per day, depending on selecting basic, silver, gold or bounty options .

When renting a cable car, be certain to check the specific requirements of your credit card, which may vary by location and type of vehicle. sol do you need travel policy ? A well rule of thumb is if the sum you could lose is more than you want to lose ( or can afford to lose ) if something goes wrong, get the policy. For a list of travel insurance companies that provide on-line quotes, read more about how to find the best change of location policy. As separate of NerdWallet ’ s Best-Of Awards, we reviewed assorted travel policy policies to help you choose the design that provides the best coverage for your stumble. Check out our findings here : Best travel indemnity of 2021.

The bottom line

If you are concerned about an approaching tripper and want to be amply protected, combine your travel credit calling card policy with a build-your-own plan to cover what your credit menu does not. All data about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is nobelium longer available through NerdWallet.

How to maximize your rewards

You want a travel recognition poster that prioritizes what ’ s important to you. here are our picks for the best travel credit cards of 2022, including those best for :

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