What does the Southwest Premier Card travel insurance cover? This question is about the Southwest Rapid Rewards® Premier Credit Card

What does the Southwest Premier Card travel insurance cover?

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This question is about the Southwest Rapid Rewards® Premier Credit Card

Archie Conway, WalletHub Financial Advisor

@ArchieConway • 09/03/20 This answer was first published on 09/03/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Southwest Premier Card travel insurance benefit is made up of three types of coverage: travel accident insurance, lost luggage reimbursement, and baggage delay insurance. Southwest Premier also has rental car insurance, though that’s usually considered a separate type of benefit from travel insurance. All of these perks come free just for owning the card and paying the $99 annual fee.

Southwest Premier Card travel insurance includes:

Travel accident insurance. Provides up to $500,000 in reimbursement for death or dismemberment that occurs during travel on a common carrier (plane, train, bus, ship, etc.). Must pay for the trip with the Premier Card.

Lost luggage reimbursement. Pays up to $3,000 per trip for checked or carry-on bags that get damaged or stolen while you are traveling on a common carrier. Must pay for the tickets with the Premier Card.

Baggage delay insurance: Reimburses up to $100 per day for up to 3 days when baggage arrives more than 6 hours late to your destination. Must pay for the tickets with the Premier Card.

Rental car insurance: Provides coverage against damage or theft on cars rented with the Premier Card. It reimburses up to the actual cash value of most vehicles for rentals of up to 31 consecutive days. To qualify, you must turn down the rental agency’s own insurance policy.

Each type of Southwest Premier card travel insurance has its own rules for eligibility and filing claims, so make sure to read your benefits guide for the full details.

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How does the Southwest Plus Card rental car insurance work?

The Southwest Plus Card rental car insurance benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles (up to $50,000 MSRP).

All you need to do is pay for the rental with your card and reject the optional CDW policy the car rental company offers.... read full answer
Your policy works worldwide, with a few exceptions: Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
To submit a claim, call the number on the back of your card.

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What are the best credit cards with trip cancellation insurance?

One of the best credit cards with trip cancellation insurance is the Chase Sapphire Preferred® Card because its trip cancellation coverage is $10,000 per person and $20,000 per trip, which is on the higher end of the spectrum. The policy also covers expenses often skipped by other cards’ trip cancellation policies, such as rental cars and recreational vehicle rentals. Chase Sapphire Preferred has an annual fee of only $95, which is less than other credit cards with similar trip cancellation coverage.... read full answer

Some of the Best Credit Cards with Trip Cancellation Insurance

Travel Rewards: Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
Initial Bonus: Chase Sapphire Reserve®Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
Rates & FeesTerms ApplyElite Travel Perks: The Platinum Card® from American ExpressThe Platinum Card® from American ExpressLearn MoreLearn Moreon issuer's website
For Business: Ink Business Preferred® Credit CardInk Business Preferred® Credit CardLearn MoreLearn Moreon issuer's website
For Students: Chase Freedom® Student credit cardChase Freedom® Student credit cardLearn MoreLearn Moreon issuer's website

Trip cancellation insurance generally covers trips cancelled or cut short by sickness or severe weather. After such an event, the cardholder can file a claim and get reimbursed for prepaid, nonrefundable travel expenses, including airfare, tours and hotels. To receive the reimbursement, you must have used your covered credit card to pay for the travel expenses. Most credit cards also have a limit on the amount of money that you can be reimbursed for.

Travel insurance perks give great peace of mind when booking a trip. So, if you travel often, you could check out our editors' latest picks for the best credit cards with travel insurance on the market.

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