Ryan P Page, Staff Writer
@ryan_page
Yes, some credit cards do offer travel insurance. Seven of the top 10 credit card companies have at least some credit cards with travel insurance, including Chase, American Express, Capital One, U.S. Bank, and Bank of America.
Still, the average credit card offer does not include travel insurance coverage. For example, lost luggage insurance is one of the most common types of travel insurance, but only 30% of consumer cards offer it.
Top Credit Card with Travel Insurance
The Chase Sapphire Preferred® Card is the best credit card for travel insurance. Chase Sapphire Preferred travel insurance covers lost luggage, trip delays and cancellations, and even accidents that leave you seriously injured on your travels.
The card also has other perks aside from travel insurance, including rewards of 1 - 5 points per $1 spent and an initial bonus of 75,000 points for spending $5,000 on purchases in the first 3 months.
Chase generally has the most comprehensive travel insurance, but you may want to consider travel credit cards from other major issuers, too. You can check out the top options below.
Popular Credit Cards with Travel Insurance in 2025
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn More
- Great for Excellent Credit: Bank of America® Premium Rewards® Elite Credit CardLearn MoreLearn More
- Great for Excellent Credit: Bank of America® Premium Rewards® Elite Credit CardLearn MoreLearn Moreon issuer's website
- Great for Excellent Credit: Bank of America® Premium Rewards® Elite Credit CardLearn MoreLearn More
- Rates & Fees High Initial Bonus: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Rates & Fees High Initial Bonus: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- High Initial Bonus: Chase Sapphire Reserve®Learn MoreLearn More
- Best Overall:
- Great for Excellent Credit:
- High Initial Bonus:
There are several different types of credit card travel insurance, and each covers a different potential expense or situation. You can check out WalletHub’s travel insurance guide to learn more. You can also compare the best travel credit cards on WalletHub.
Popular Credit Cards from Our Partners
-
Low Intro APR & Bonus Rewards:
-
Everyday Cash Back:
-
Good Credit:
-
0% Intro APR:
People also ask
Do most credit cards offer travel insurance?
No, most credit cards do not offer travel insurance. According to a WalletHub study, only 32% of consumer credit cards offer a travel insurance benefit, with the most common being lost luggage insurance.
The stats differ when it comes to business credit cards, though. More than 60% of business credit cards offer benefits like travel accident insurance and lost luggage insurance. But the percentage drops significantly for benefits like trip cancellation or travel delay insurance.
Notable Credit Cards...
read full answer by John Miller, Credit Cards ModeratorWhich credit cards provide travel benefits?
Credit cards that provide travel benefits are known as travel credit cards. They work just like any other credit card, except they come with certain perks and benefits that are designed to enhance the cardholder’s travel experience. A notable example is the Chase Sapphire Preferred® Card, which offers quite a few travel-related benefits, like rental car insurance, trip cancellation insurance and baggage delay insurance.
Credit Cards That Provide Travel Benefits
read full answer by John Miller, Credit Cards ModeratorHow do I know if my credit card has insurance?
To determine if your credit card has insurance benefits, you should contact customer service at the number you see on the back of your card, and speak to a representative. A customer service agent can provide you with accurate and up-to-date information about your credit card’s insurance. There are other ways to do it, as well.
How to Know If Your Credit Card Has Insurance
- Call Customer Service: Contact customer service at the...
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.