Travel credit card rewards is not just all about bonus miles and bonus points, some of them offer insurance cover for cardholders. If that’s the part that is most interesting to you, then you need to check out the best credit cards for travel insurance.
Travel insurance covers areas such as cancellation/interruption insurance, travel accident insurance, and baggage delay coverage. Here are a few cards with the best travel insurance programs overall.

  • Chase Sapphire Reserve | Best Credit Cards for Travel Insurance

Best Credit Cards for Travel Insurance - Chase Sapphire Reverse Credit Card

The Chase Sapphire Reserve is one of the best travel rewards card out there with offers that are hard to beat. Not only does it come with a lucrative signup bonus and let you earn 3x points on travel and dining, but you can use your points to book travel through Chase or transfer them 1:1 to popular loyalty partners.

The card’s travel insurance products are also top notch. The Chase Sapphire Reserve offers trip cancellation/interruption coverage that will reimburse you for $10,000 per trip of your prepaid travel expenses in the case your trip is canceled or delayed for covered reasons. You also get primary auto rental coverage, trip delay coverage for delays longer than six hours, and baggage delay insurance that will reimburse you for baggage delays over six hours at $100 per day for five days.

You also get travel accident insurance worth up to $1 million and emergency evacuation and transportation coverage good for up to $100,000. The annual fee on this card is $450, but you do get a $300 annual travel credit, Global Entry credit, airport lounge access, and other important travel perks.

  • Chase Sapphire Preferred | Best Credit Cards for Travel Insurance

Chase Sapphire Preferred Card - Best General Travel Cards

While the Chase Sapphire Preferred card comes with a weaker earning structure and redemption policy than the Chase Sapphire Reserve card, it does offer the same suite of travel benefits for consumers. If you are looking for a premier travel credit card without a big commitment, the Chase Sapphire Preferred is a good option with its $95 annual fee that is waived the first year.

  • Citi Prestige | Best Credit Cards for Travel Insurance

Citi Prestige - Best Credit Cards for Travel Insurance

The Citi Prestige is another premier travel credit card that offers lucrative rewards and a suite of important travel benefits for cardholders. For starters, this card offers worldwide rental car coverage good for up to $100,000 if you rent a car with your Citi Prestige card and deny the additional coverage at the counter. This coverage is a secondary benefit in the United States, however, meaning that your personal auto insurance would kick in first for accidents stateside. For accidents outside the United States, this coverage would be considered primary.

After signing up, you’ll also get medical evacuation coverage of up to $100,000 and trip cancellation/interruption coverage good for up to $5,000 per person, per trip when a trip is canceled or delayed for covered reasons.
Trip delay coverage worth up to $500 is also available for travelers with incurred expenses resulted in a delay of more than three hours. Further, cardholders also get baggage delay coverage of up to $500 per covered traveler, per trip when baggage is delayed by more than three hours.

This card does come with an annual fee of $450, but it comes with a 4th-night free benefit, $250 air travel credit each year, airport lounge membership pass, Global Entry credit, and other perks.

  • Ink Business Preferred Credit Card

Chase Ink Business Preferred

If you’re a business owner who wants travel coverage for your business-related travel, the Ink Business Preferred Credit Card is your best choice. Not only does this offering let you earn points within the lucrative Chase Ultimate Rewards program, but it comes with free travel benefits for cardholders, too.

For starters, you’ll receive up to $5,000 in trip cancellation/interruption insurance to cover prepaid travel expenses for covered trips when a covered reason comes into play. You’ll also get access to travel and emergency assistance that can be useful if you run into an issue when you travel abroad.

Primary auto rental coverage is also offered when you use your Ink Business Preferred Credit Card to pay for a rental car. Finally, you’ll get access to a roadside dispatch call center that can assist you if your car breaks down, you’re locked out, or you run out of gas.
The Ink Preferred Business Credit Card comes with a $95 annual fee.