For an enjoyable vacation, make sure your travel credit cards have built-in protection for trip delay & cancellation and lost or delayed luggage so that, it can help you if any sudden injury or other unforeseen circumstance happens at the last moment.
With the cards, you can potentially be reimbursed for the necessary expenses you incur when things go wrong like food, lodging, clothing, toiletries, and medication.
Chase Sapphire Preferred® Card
Annual fee: $95
Travel insurance benefits:
- It has primary rental car insurance.
- If the flight is delayed by 12+ hours or requires an overnight stay cardholder can be reimbursed up to $500 per ticket.
- If the bags are delayed 6+ hours, cardholders can claim up to $100 per day for five consecutive days without bags and if the airline loses the bags, he’ll be reimbursed up to $3,000 per person.
- With it, they’ll get trip interruption/cancellation insurance and may be eligible for reimbursement up to $10,000 per person ($20,000 per trip) for prepaid expenses when a trip is cut short by certain events.
Ink Business Preferred Credit Card
Annual fee: $95
Travel insurance benefits:
- Cardholder gets primary rental car insurance when he’s renting primarily for business purposes.
- He could be covered for up to $5,000 if the trip is cut short or canceled.
- Besides, the cardholder will receive trip delay and lost/delayed luggage coverage. He can be reimbursed up to $500 per covered person for delays of 12+ hours.
- If any overnight stay is required, he can be reimbursed up to $100 per day, for five days, for luggage that is delayed 6+ hours and up to $3,000 for lost luggage.
Chase Sapphire Reserve®
Annual fee: $550
Travel insurance benefits
- It has primary rental car insurance benefits.
- The cardholder will get reimbursed for delayed luggage and lost luggage up to $100 per day for five days for delayed luggage and up to $3,000 for lost luggage.
- He can be reimbursed for up to $500 per ticket for a delay of only 6+ hours or if it requires an overnight stay.
- The trip interruption/cancellation insurance covers him for up to $10,000 per person in prepaid expenses.
- You’ll also get emergency medical/dental benefits if you’re 100+ miles from home on a covered trip.
The Platinum Card® from American Express
Annual fee: $550
Travel insurance benefits
- It covers for damaged, stolen, or lost baggage up to $3,000 per person.
- It comes with access to the Premium Global Assist Hotline to help you with everything from lost passport replacement to emergency medical transportation.
- The trip cancellation/interruption coverage is up to $10,000 per trip ($20,000 per account per 12 months) for prepaid expenses when cardholders can’t travel or the travel is cut short.
The Business Platinum Card® from American Express
Annual fee: $595
Travel insurance benefits
- Access to the Premium Global Assist Hotline for emergencies when traveling 100+ miles from home.
- The card baggage insurance will cover up to $3,000 per person for lost, stolen, or damaged luggage.
- Trip delay insurance covers after a delay of 6+ hours and reimburses for up to $500 per trip with a max of two claims per 12-month period.
- The trip cancellation/interruption insurance covers up to $10,000 per trip for prepaid expenses when you miss a trip or a trip is cut short by certain events.
United Club℠ Infinite Card
Travel insurance benefits
- It pays for the entire rental with your card and provides primary car rental coverage for damage and theft.
- If the trip is disrupted due to a covered event, the cardholder receives up to $10,000 per covered person, $20,000 per trip.
- If the trip is delayed 12 hours or overnight, He receives reimbursement up to $100 per day for 5 days, up to $500 per ticket.
- If the luggage is lost, damaged, or stolen, he receives a benefit of up to $3,000.
- For illness or being injured while traveling, he could receive emergency transport coverage up to $100,000.