There are six types of Bank of America travel insurance: trip delay insurance, trip cancellation/interruption insurance, travel accident insurance, baggage delay insurance, baggage loss insurance and rental car insurance. Not every BofA card will include every type of Bank of America travel insurance. And the BofA website does not give specific information about travel insurance for each card. You’ll have to call customer service about the individual card you’re interested in.
In addition, some Bank of America credit cards are on the Visa network and some are Mastercards. So the coverage levels may differ there as well. Just remember that in all cases you must have paid for the trip using your card.
Types of Bank of America Travel Insurance:
Trip delay insurance: Reimburses you when a trip starts late because of things you can’t control (bad weather, mechanical breakdowns, etc.).
Trip cancellation/interruption insurance: Pays out when your trip ends early or gets cancelled because of something out of your control. Reasons include sickness and death of a family member.
Travel accident insurance: Reimburses you if someone in your party is killed or seriously injured by a travel provider.
Baggage delay/loss insurance: Pays you when a travel provider loses your baggage, damages it or sends it late. Some items are excluded, like medical equipment, documents and animals.
Rental car insurance: Reimburses you in the event of collision damage or theft. Certain car types and driving situations are excluded.
If you’re looking for a Bank of America credit card with travel insurance, consider either Bank of America Travel Rewards or Bank of America Premium Rewards. The Travel Rewards card gives up to $250,000 in travel accident insurance. It also offers rental car insurance and lost luggage insurance.
The Premium Rewards card has up to $1 million in travel accident insurance. And it gives insurance for rental cars as well as cancelled, delayed and interrupted trips. There’s coverage for delayed and lost baggage, too.
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