What are the best credit cards with travel medical insurance?

The best credit card with travel medical insurance is the Chase Sapphire Reserve card because it offers up to $1 million in coverage for travel accidents when you pay for your trip with the card. Chase Sapphire Reserve travel accident insurance applies for loss of life, limb, sight, speech, or hearing. The Chase Sapphire Reserve card comes with other travel benefits, too, such as emergency medical and dental coverage.

Chase Sapphire Reserve also offers a generous initial bonus and 1 - 8 points per $1 spent on purchases. It charges a $795 annual fee.

Chase Sapphire Reserve Card Travel Medical Insurance

Travel Accident Insurance

This benefit provides up to $100,000 in coverage for accidents that happen at any point during a trip you paid for with your Chase Sapphire Reserve card. If the accident occurs while in transit on a common carrier, you’re covered up to $1 million. A common carrier is any motorized vehicle operated by an organization structured and licensed for the transportation of passengers for hire.  

Emergency Medical and Dental Coverage

Chase Sapphire Reserve covers up to $2,500 in medical fees for emergency treatment during travel purchased with the card. There is a $50 deductible.

Emergency Evacuation and Transportation

This benefit covers necessary expenses for emergency transportation, up to $100,000, if you become severely ill or injured during your trip. To be eligible, you must have booked the trip through a travel agency and be at least 100 miles from your residence.

Travel medical insurance benefits are not a very common feature on credit cards, though there are a few notable cards that offer some coverage.

Best Credit Cards with Travel Medical Insurance

Travel medical insurance on credit cards usually applies to you, your partner, and your dependent children, as long as the travel fare is charged to the card. The benefits are usually administered by the card’s payment network, and coverage amounts vary by card. For more options, you can check out WalletHub’s top picks for 2026's best credit cards with travel insurance.

*For full coverage details, you can refer to the Guide to Benefits provided after account opening, or call the number on the back of your card for assistance.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.