Does Total Visa Card have travel 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

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.

You get Mastercard travel insurance just by having a Mastercard. It’s free, too. There are six different types of Mastercard travel insurance available: travel accident insurance, trip cancellation/interruption insurance, trip delay insurance, insurance for lost or delayed baggage, and rental car insurance.

Coverage amounts and categories differ based on what level of Mastercard you have: regular, World or World Elite. Plus, it’s up to the card’s issuer whether or not to include each benefit in the first place. Below you’ll find descriptions of the insurance offerings and the dollar amounts of the coverage if they don’t differ by card. Coverage amounts that change based on the Mastercard tier are noted in the last few bullets.… read full answer

Here’s how Mastercard travel insurance works:

• Mastercard travel accident insurance: Reimburses you in the event of serious injury or death aboard a common carrier (airline, cruise ship, bus, etc.). Coverage applies to you, your domestic partner and your dependent children, as long as you pay for the whole fare with your Mastercard.
• Mastercard trip cancellation insurance: Reimburses for trips cancelled because of the death, illness or injury of you or a family member. If the travel provider goes out of business that counts too. Some situations, like pre-existing conditions and cosmetic surgery, are not covered.
• Mastercard trip delay insurance: Will pay up to $500 per trip for each person whose ticket you pay for with your card. You’re eligible if the travel provider delays your trip for at least 3 hours.
• Mastercard baggage delay insurance: Gives you up to $100 per day for up to 3 days you spend without your bag. It covers items you are forced to buy, like clothes and toiletries. All Mastercards have this benefit.
• Mastercard lost baggage insurance: Pays up to $3,000 per trip for bags that are lost by the travel provider. Certain types of items, like medical equipment, aren’t covered.
• Mastercard rental car insurance: When you rent a car with any Mastercard, you’ll be protected against collision damage and theft, up to $50,000 for rental periods of 31 days or fewer. You have to decline any insurance the rental agency offers you. Certain types of cars aren’t covered: vans, trucks, antique cars, motorcycles, etc. And Mastercard won’t pay for the theft of personal belongings or if you were driving irresponsibly.
• Best Mastercard for travel insurance: World Elite Mastercard credit cards give you the most travel insurance, followed by World Mastercards and standard Mastercards. The best World Elite Mastercard for travel is Citi Prestige.
• World Elite Mastercard travel insurance: World Elite Mastercard credit cards offer every type of travel insurance. You’re also covered for a higher total dollar amount than with a World Mastercard: up to $1,000,000 for travel accidents.
• World Mastercard travel insurance: World Mastercards give every type of travel insurance. They offer just $200,000 in trip accident insurance. They also give up to $1,500 per trip for cancellation.
• Standard Mastercard travel insurance: Standard Mastercards only give a mere $100 in travel accident insurance and $100 in trip interruption/delay insurance. Aside from that, they offer the regular baggage delay insurance and rental car insurance amounts.

Each of these benefits comes with a laundry list of restricted situations. So be sure to read your card’s benefits guide in detail to confirm you know what’s covered and what’s not.

Credit card trip cancellation insurance covers certain nonrefundable travel expenses when a trip is cancelled or interrupted due to illness, injury, severe weather, or another covered reason.

Here’s how trip cancellation insurance works on credit cards:

• What is covered: Credit cards with trip cancellation insurance typically reimburse cardholders for common carrier fares (airfare, train tickets, etc.), tours, lodging and other eligible travel expenses – up to a maximum amount per person, per trip and/or per year.… read full answer
• Eligibility: Cardholders must pay for all or part of the trip with the covered credit card to be eligible, but these rules vary by card issuer.
• Coverage amounts: The credit card trip cancellation insurance amount per trip can vary between $1,500 and $10,000. The coverage will depend on the card network and the card issuer, as some issuers will add their own rules.
• Insurance policy: Most credit card trip cancellation insurance policies cover both the primary cardholder and any authorized users, plus their immediate family members if they are traveling. Some credit cards cover family members even if the cardholder is not travelling with them.

Typically, trip cancellation insurance is offered to cardholders for free, so there’s no extra cost to keep the benefit active.

How to file a trip cancellation claim:

1. Call your credit card issuer. To file a trip cancellation insurance claim, you will need to call your credit card’s benefits administrator and notify them of your intention to file a claim or visit the card’s benefits website. You’ll be able to find the phone number and/or web address in the benefits guide that came with your credit card.
2. Stick to deadlines. Generally, you must give notice of your claim within 20 to 60 days after the cancellation to be eligible for reimbursement, but the exact window will depend on your card issuer’s rules.
3. Submit your evidence. After you give notice of your claim, the benefits administrator will give you further instructions to file your claim. You will likely need to submit documentation with your claim, such as ticket receipts, billing statements, notes from your doctor, and anything else that may validate your claim. There is also a window of time to provide these documents, and it will depend on your card issuer, but it could be 90 to 180 days after the trip is cancelled.

If you think you may need to use your credit card’s trip cancellation insurance, it’s important that you review your benefits guide before booking your trip, so you know exactly what’s covered and what’s not. And because credit card benefits change all the time, it’s a good idea to call your credit card’s customer service line to make sure your card is still covered.