Best Credit Cards with Travel Insurance

Credit card travel insurance can reimburse cardholders in the event of canceled trips, missed connections, lost or delayed luggage, or even death. But coverage amounts and restrictions vary widely based on the type of card you have, the company that issues it, and the card network it’s affiliated with.

To identify the best credit cards for travel insurance, WalletHub compared the travel insurance coverage offered by 95 credit cards from the 10 largest issuers. You can check out our findings below, along with the methodology we used to rate each card. We also recommend taking a look at our editors’ picks for the best travel credit cards overall.

Card information was collected June 12, 2025. Opinions and ratings are our own. This review is not provided, commissioned or endorsed by any issuer. WalletHub independently collected information for some of the cards on this page.

Key Findings

Best Credit Cards with Travel Insurance

 

Key Stats About Credit Card Travel Insurance:

• 26% of consumer cards offer travel accident insurance, providing an average of $691,235 in coverage.
• 29% of consumer cards offer trip cancellation insurance, providing an average of $6,361 in coverage.
• 31% of consumer cards offer lost luggage insurance, with an average of $2,175 in coverage.
• 18% of consumer cards offer delayed luggage insurance, giving an average of $380 in coverage.
• 18% of consumer cards offer travel delay insurance, providing an average of $445 in coverage.
• Discover and Synchrony are the only major issuers that do not provide any travel insurance on their cards.

Best Business Credit Cards with Travel Insurance

 

Key Stats About Business Credit Card Travel Insurance:

• 70% of business credit cards offer travel accident insurance, providing an average of $340,476 in coverage.
• 60% of business credit cards offer lost luggage insurance, giving an average of $2,639 in coverage.
• 27% of business credit cards offer delayed luggage insurance, with an average of $350 in coverage.
• 17% of business credit cards offer trip cancellation insurance, providing an average of $6,320 in coverage.
• 17% of business credit cards offer travel delay insurance, giving an average of $380 in coverage.

Typical Credit Card Travel Insurance Coverage

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Detailed Findings

Personal Cards

Business Cards

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Methodology

WalletHub reviewed the online travel benefits policies for all of the credit cards available via the websites of the 10 largest credit card issuers by purchase volume, excluding student and co-branded cards.

We evaluated each offer in three overall categories, using the corresponding weights to obtain overall scores: Travel Accident Insurance (35%); Luggage Insurance (35%); Eligibility Cost & Extra Coverage (30%). These categories are comprised of 12 individual metrics, descriptions of which you can find below. For cards featuring multiple policies, we evaluated their average coverage details.

Where policies were incomplete or unclear, we contacted the issuers directly and requested clarification. We gathered information from product websites and through direct contact via calls or chats. Data was collected in June 2025.

The maximum score attainable for a card in this report is 100%.

Travel Accident Insurance
1. What is Covered? - Worth 50%
A) Death and Dismemberment – Worth 25%

• If death and dismemberment is covered = 25%
• If only death is covered = 15%
• If only dismemberment is covered = 10%
• If there is no benefit offered = No points (where applicable)

B) Modes of Travel Included – Worth 15%

• Airlines = 10%
• Buses= 2%
• Taxis / Airport Limousines = 1%
• Cruises / Boats = 1%
• Trains = 1%
• No benefit offered = No points (where applicable)

*Scores for this metric are cumulative, as more than one option may be available

C) Coverage Duration – Worth 10%

• Entire trip, from departure to return – door to door = 10%
• Departure to arrival in destination (both ways), plus auxiliary transportation (i.e. taxi, bus, train, etc.) = 6%
• Departure to arrival in destination (both ways)= 5%
• Length of stay at designated destination = 5%
• No benefit offered = No points (where applicable)

2. Amount Offered for Death / Accident Coverage - Worth 50%

• If the benefit amount is $300,000+ = 50%
• If the benefit amount is $200,000 - $299,999 = 45%
• If the benefit amount is $100,000 - $199,000 = 40%
• If the benefit amount is $0 - $99,999 = 25% points
• If there is no benefit offered = No points (where applicable)

Luggage Insurance
1. What type of luggage does it cover? – Worth 15%

• If both carry-on and checked baggage is covered = 15%
• If only checked luggage is covered = 12%
• If there is no benefit offered = No points (where applicable)

2. Amount of coverage for delayed luggage - Worth 35%

• If the benefit amount is $400+ = 35%
• If the benefit amount is $200 - $399 = 28%
• If the benefit amount is up to $199 = 21%
• If no coverage is offered = No points (where applicable)

*Scores for this metric are averages across all travel related benefits, as coverage may differ between benefits of the same card

3. Amount of coverage for lost luggage - Worth 40%

• If the benefit amount is $2000+ = 40%
• If the benefit amount is between $1000 -$1999 = 32%
• If the benefit amount is between $500 - $999 = 28%
• If the benefit amount is up to $499 = 20%
• If no coverage is offered = No points (where applicable)

4. Offers hotel burglary coverage? - Worth 10%

• If the benefit is offered = 10%
• If the benefit is not offered = No points (where applicable)

Eligibility, Cost & Extra Coverage
1. Who is covered? – Worth 25%

• Full family (includes immediate family plus nieces, uncles, siblings in law etc.) = 25%
• Immediate family (includes cardholder, spouse and dependable children) = 20%
• Cardholder only = 5%
• No coverage provided = No points (where applicable)

2. Is additional travel insurance coverage provided? – Worth 30%

• • If cancelled trip insurance coverage is provided = 20%
  • If delayed trip insurance coverage is provided = 10%

*Scores for this metric are cumulative, as more than one option may be available

3. Activating the benefit – Worth 15%

• If no sign up is required and coverage is still provided when purchases are paid for using rewards = 15%
• If no sign up is required = 11.25%
• If coverage is still provided when purchases are paid for using rewards = 3.75%
• If there is no benefit offered = No points (where applicable)

4. Second year annual fee – Worth 30%

• If the annual fee of the card is $0 = 30%
• If the annual fee of the card is $1 - $49 = 24%
• If the annual fee of the card is $50 - $99 = 18%
• If the annual fee of the card is $100+ = 6%
• If the annual fee of the card is $200+ = No points (where applicable)

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