Credit Card Travel Insurance for Chase, Amex and Capital One

Your credit card travel insurance may cover your change or cancellation fees, if the cause for the change or cancellation is covered by the policy's terms. However, "]many airlines have temporarily paused change or cancellation fees due to the pandemic — therefore, you may not have to worry about these fees. While there are some exclusions — such as basic economy tickets — you'll want to check with your airline first to see if you can get your money back for your airfare.

With any travel hiccup, it is important to understand the terms of credit card coverages. In the case of the pandemic, each policy will have unique language regarding outbreaks and illnesses.

For example, the guide to insurance benefits for the [data-lightrail id="1129"]{name}[/data-lightrail] mentions the following as covered losses:

In other words, if you or your qualifying travel companions become sick or quarantined because of the coronavirus, any additional expenses incurred may be covered under the card's policy.

It depends on the card. If you are traveling during the pandemic, it may be a good precaution to only make reservations with a card that offers emergency medical and evacuation coverage, such as the [data-lightrail id="1129"]{name}[/data-lightrail]. If you are unsure about the terms of your credit card travel insurance policy, it is best to call your credit card company to clarify.

While many travel rewards cards come with the added benefit of complimentary travel insurance, this isn't true for all issuers. For example, Barclays and Citi have eliminated all trip insurance benefits from their cards in recent years. We recommend checking out cards from American Express, Chase or Capital One if you're looking for complimentary travel coverage — although limits will vary between each card.

Yes. For most travelers with no irregular conditions, credit card travel insurance will serve you well in case of any interruptions or delays. However, those who have preexisting conditions should be wary as credit card travel insurance will not offer you coverage. Or, if you're looking for coverage specifically related to the pandemic, you'll need to purchase additional travel insurance — ideally one with cancel-for-any-reason coverage.

While the coverage offered will change per card, you may be offered benefits such as trip cancellation and interruption coverage, primary or secondary rental car insurance, emergency medical services, baggage insurance and more. You'll need to check the fine print to see exactly what's covered under each policy.

Yes. Credit card travel insurance can offer quite a broad range of coverages that can come handy in unthinkable situations. When an emergency happens, you can contact your card company or the benefits administrator on your card to receive immediate assistance. However, if you have any chronic medical conditions or belong to a vulnerable group, we recommend purchasing additional travel insurance.

Many credit cards offer travel insurance for things like canceled or interrupted trips, lost or delayed baggage or car rentals. If you pay for your trip with a credit card that offers travel insurance and you have a qualified expense, you may be reimbursed for certain expenses. Check the details of your policy to see what type of coverage you might be eligible for.

Credit card travel insurance can be very useful if you encounter a problem while traveling. Lost or delayed baggage or the cancellation of a trip can leave you stranded or without some of the necessities. The best part of credit card travel insurance is that if you have a card that offers it, you don't have to pay anything extra to take advantage of the benefit.

No, all credit cards do not come with travel insurance benefits. Generally, it's the premium or luxury credit cards that offer credit card travel insurance. Check the benefits guide of your credit card to understand what types of travel insurance benefits you might be eligible for.

Many forms of credit card travel insurance do cover trips involving cruises. Many forms of trip delay or trip cancellation insurance can cover you for certain types of expenses if your trip (including a cruise) is delayed or canceled. Check your credit card's guide to benefits to understand what type of coverage you might have.

Yes, most credit card travel insurance benefits will cover family members who are traveling with the primary cardholder. Benefits are usually subject to per-trip maximums regardless of how many people are traveling with you. Make sure to check your credit card benefits guide to understand who counts as a family member per the terms of your travel insurance policy.

As of the time of writing this article, no Discover credit cards offer travel insurance. However, credit card benefits often change over time, so make sure to check your card's benefit guide to make sure you're aware of what benefits you may be eligible for.

Many Visa cards offer travel insurance as one of the benefits of having the card. Typically it's higher-end or luxury Visa Signature or Visa Infinite cards that offer travel insurance. Check the benefits guide of your credit card to see what forms of travel insurance it offers.

Bank of America itself does not offer travel insurance, but there are some credit cards issued by Bank of America that offer travel insurance benefits. For example, the Bank of America Travel Rewards card offers trip delay, trip cancellation, baggage delay and lost luggage reimbursement coverage.

Banks and credit unions offer different benefits to their members, but it is uncommon that a bank would offer travel insurance directly. Check with your bank to see if it partners with an insurance agency to allow you to purchase travel insurance at a discount.

Your bank may partner with an insurance company to allow you to purchase travel insurance. If your bank does not, or if you're not happy with the coverage options, you might also check the credit cards you hold. Many credit cards offer different varieties of travel insurance to protect your trip.