Best Credit Cards With Travel Insurance Benefits

The Best Credit cards with travel insurance Benefits

Best credit cards With Travel Insurance With Benefits can save you from a mountain of expenses in case of a lost, stolen or damaged item. You may also be able to cancel or reschedule your trip due to unforeseen circumstances and not be charged a cancellation fee.

Not all credit cards provide travel insurance and some may have lower coverage limits than others. Some cards will cover only damage or loss while others provide coverage if your flight is delayed.

Credit cards that include travel insurance typically apply only to the primary cardholder, not dependents or additional users on the account. However, some issuers offer secondary coverage for additional users on the account at an extra cost. Be sure to ask about this before applying for your card.

There are a few credit cards that offer free travel insurance when you book your trip through their websites. This can be a good way to protect your travel investment and keep you covered in case of an accident or other unforeseen event.

Trip cancellation protection is an important coverage you should look for if you’re planning a trip that costs hundreds or thousands of dollars. Many credit cards offer this as part of the card’s benefits, but there are a few cards that include it as standard coverage with no extra charge.

It can be the most difficult trip you ever have to cancel because the costs may not be obvious until after you cancel. Your airline tickets may have been nonrefundable, your car rental might have had to have been paid upfront and your hotel room or cruise ticket may have been nonrefundable too. Even if you’re able to get a refund for these items, it may not cover everything so it’s best to be prepared with trip cancellation insurance.

If your trip is interrupted by sickness, injury, death or other unforeseeable events, trip delay protection can help pay for additional meals and lodging while you reschedule your flight to continue on with your travel plans. It can even provide reimbursement for some transportation expenses if you’re forced to find

Types of travel insurance you can get from a credit card

1, Lost/damaged baggage credit card protection‘

This types fo protection is very important why? It’s protect you against loss or damage to your personal items. But what does this kind of travel insurance look like? How do you know if you’re getting the right travel insurance for your needs? We shall discuss that below.

2. Baggage delay protection

When you’re at the airport, you want to make sure your trip goes off without a hitch. That’s why it is so important to make sure that you have adequate protection for yourself and your family. Whether you’re flying for business or pleasure, liability coverage is an important piece of your travel insurance. This kind of coverage protects you from lawsuits for bodily injury or property damage that occurs when you are traveling by plane, train, bus or boat. The main issue with baggage delay credit card protection is that it doesn’t always kick in immediately after a delay occurs

3. Trip delay reimbursement

Some travel credit cards offer trip delay reimbursement protection, which is a very important feature to have, especially when you are travelling. Credit card customers can get up to $500 of trip delay reimbursement when they use their debit/credit card to pay for airline tickets, hotels, or rental cars. The protection kicks in when your trip is delayed more than 12 hours, and you must have paid with your credit/debit card for your airfare, hotel room, or car rental. The credit

4. Medical evacuation benefit and travel accident insurance

Medical evacuation and travel accident insurance coverage is a necessity when traveling internationally. If you do not have medical evacuation and travel accident insurance coverage, it is essential that you purchase these benefits before traveling to a foreign country. Some credit card companies cover this area.

The credit card you are travelling with might not pay for unexpected medical emergencies in your own country. But, if you have a credit card with a medical evacuation benefit and travel accident insurance, you will be covered. Medical evacuation benefit and travel accident insurance can be two of the most important benefits you’ll find on a travel credit card. You may want to consider looking for these as well before you make your choice. Medical evacuation benefit covers emergency medical transportation expenses if you are far from home and need to return to a hospital or medical facility in your home country. While some people don’t think this may happen to them some day.

5. Rental car coverage

Companies that rent cars to customers need a way to make sure the customer will pay for damages. They have changed their policies to offer rental car coverage on their credit or debit cards when customers rent cars. The coverage is available on any eligible MasterCard, Visa, American Express or Discover card. The coverage is not only for damage to the car but also damage to tires, accessories and even the windshield. It protects against damage as a result of vandalism, weather events and theft. It also includes personal liability protection up to $100,000.

6. Trip cancellation and interruption protection

Some credit card covers Trip cancellation protection protects your vacation investment by ensuring you’ll get refunds for trips cancelled. Trip interruption protection covers costs when a trip is cut short due to covered reasons such as sickness, weather, or employer’s orders.

7. Emergency medical and dental benefit (offered by the Chase Sapphire Reserve)

The Chase Sapphire Reserve card is a credit card that comes with some great benefits. One of those benefits is a generous emergency medical and dental benefit. The only catch is you have to use their provider in order to get the benefit.

NOTE;- It’s clear from the above guild that the types and levels of protection vary significantly across credit cards. And most protections them have limitations or  exclusions, which you have to look out for first. Make sure to read the guide to benefits before choosing the card.

Best Credit Cards With Travel Insurance

With the rising costs of travel insurance, and credit card companies increasingly offering better cover as a benefit of their cards, it makes sense that people would want to use them to pay for their insurance premiums. let’s us take a closer look at each credit card to determine how we can use these them when things go wrong on a trip.

Ink Business Preferred Credit Card

Sign-up bonus: Earn 100,000 Chase Ultimate Rewards points after you spend $15,000 on purchases in the first three months from account opening. Based on TPG’s valuations, this bonus is worth $2,000.

There are many benefits and rewards for the Ink Business Preferred Credit Card.

Rewards

3 points per dollar on the first $150,000 spent each year on travel, shipping purchases and internet, cable and phone service. You’ll get 1 point per dollar spent on all other purchases. In addition to the rewards you can earn, there are a number of other benefits with this card.

Benefits

Business owners like that there is a 24/7 concierge service available to help with travel plans, event tickets and more. You can also choose to get your statement summary via email or in your online account. And if you belong to a business organization like SAM or ABA, you can get up to $600 in coverage for your Global Entry application fee if you use this card to pay for it.

The Ink Business Preferred Credit Card comes with purchase protection that will cover items purchased within 120 days for up to $10,000 per claim and $50,000 per year. There is also return protection that covers items purchased within 90 days if they are not as described or damaged when they arrive. And you can get car rental insurance when renting for business purposes.

You can transfer your points to participating frequent travel programs at full value: 1 point = 1 point. Points are worth 25 percent more when used for hotel stays booked through Chase Ultimate Rewards. You also get automatic upgrades on award tickets and receive credit for five years from the date of each purchase when using your card to make purchases directly with airlines or through Chase Ultimate Rewards travel portal.

The Ink Business Preferred Credit Card is a favorite of small business owners and individuals because of the points it offers. The points come as a bonus that is awarded when cardholders use the card to make purchases.

Because it has no foreign transaction fees, this card is worth considering if you plan to use it while traveling abroad. It also has some great travel benefits: Trip cancellation/trip interruption insurance; lost luggage reimbursement; auto rental collision damage waiver; roadside dispatch (means you won’t have to wait for a tow truck); trip cancellation and

Travel insurance benefits

1. Trip delay reimbursement: Gives up to $500 per ticket if you’re delayed more than 12 hours or require an overnight stay
2. Baggage delay:- If your baggage is delayed by more than six hours, you could be eligible for reimbursement of up to $100 per day for five days for essential items, such as toiletries and clothing.*
3. Lost/damaged baggage:-If your checked baggage is delayed beyond your scheduled arrival time by more than six hours, you could receive up to $3,000 reimbursement for essential items purchased at retail outlets., but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
4. Trip cancellation and interruption protection;- The card’s trip cancellation and trip interruption insurance reimburses up to $5,000 per trip in the event of an accident or serious illness that prevents you from traveling. You can also receive reimbursement for your nonrefundable prepaid hotel, transportation and meals if your trip is delayed more than 12 hours or cut short due to an accident or sudden illness.
5. Travel accident insurance:- Accidental death or dismemberment coverage of up to $100,000 (up to $500,000 for common carrier travel)
6. Rental car coverage:– Primary coverage (except when renting for personal reasons in your country of residence, in which case coverage is secondary) for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less.

The Annual fee: $95

Chase Sapphire Reserve Benefits

Sign-up bonus: Earn 60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening.  Based on TPG’s valuations, this bonus is worth $1,200.

If you are not familiar with the Chase Sapphire Reserve, it is a premium travel credit card issued by Chase bank. It comes with a $550 annual fee, but this is waived for the first year and the benefits are worth it.

Rewards

The 3x points on travel and dining is great for a card that does not charge foreign transaction fees. You also earn 3x points on travel immediately when you redeem your points for travel through Chase Ultimate Rewards.

You get an annual $300 credit to cover travel expenses such as airfare and hotel stays. This can help offset the cost of the annual fee if you use it to book paid stays or flights. The credit is automatically applied to your account once per year in January and you have until December 31 to book your travel expenses before it expires.

Benefits

There is also an emergency evacuation and transportation benefit that can help if you’re injured or become sick during a trip. If you’re not medically able to travel on a scheduled flight home, this emergency benefit will reimburse you for expenses like hotels, meals, and transportation back home.

The Priority Pass Select membership allows you access to over 1,000 airport lounges worldwide. You’ll receive your Priority Pass Select card in the mail after your account is opened and then each authorized user will receive their own card as well.

Chase Sapphire Reserve Travel insurance Benefits

1. Trip delay reimbursement;- If your trip is delayed six or more hours and you miss a connection because of it, you’re reimbursed up to $500 per ticket in expenses such as meals, lodging and transportation in the event that an airline cancels or significantly delays a flight on which you were scheduled to depart from or arrive at a U.S. airport.
2. Baggage delay:- If your baggage is delayed by more than six hours, you could be eligible for reimbursement of up to $100 per day for five days for essential items, such as toiletries and clothing.
3. Lost/damaged baggage:– If your checked baggage is delayed beyond your scheduled arrival time by more than six hours, you could receive up to $3,000 reimbursement for essential items purchased at retail outlets
4. Trip cancellation and interruption protection;-If your trip is canceled or cut short by sickness, severe weather or other covered events, you’re reimbursed for prepaid nonrefundable travel expenses, including passenger fares, tours, hotels and restaurants. The cost of the trip must be $5,000 or more for this to apply. Travel insurance benefits of Chase Sapphire Reserve covers you up to $10,000 per person for prepaid expenses if you have to cancel your trip because of one of the covered events.
5. Medical evacuation benefit;- gives up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home (100-mile requirement waived for New York residents)
6. Travel accident insurance:- Accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel)
7. Emergency medical and dental benefit:- Gives Up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home (100-mile requirement waived for New York residents)
8. Rental car coverage:- Primary rental car insurance (you get a primary collision damage waiver that covers you in case of an accident or damage to the car). This can be a big benefit if you don’t have your own personal auto insurance. You can also use this coverage on a secondary vehicle within the same household.

The Annual fee: $550

United Club Infinite Card Benefits

Sign-up bonus: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. Based on TPG’s valuations, this bonus is worth $904.

The greatest perk of the United Club Card is the free access to United Club lounges. This allows you to have a place to relax in luxury when flying. You also get 2 free checked bags for you and your traveling companion. With this card you will always have a seat on an airplane and if that’s not enough, it comes with free first class upgrades. If your flight has a premium cabin and you are flying first class, you don’t even need a ticket to upgrade.

Rewards

(1) You earn 1.5 miles per dollar: Some people may prefer other cards because they give higher rewards, but United Club credit card gives 1.5 miles per dollar, which is still very decent and it will allow you to buy tickets at a lower cost.

(2) You can earn 15,000 bonus miles when you spend $40,000 or more in one calendar year, though that is not much if we consider that some other cards offer 50,000.

(3) Every 4 years, you can use their TSA pre-check or global entry credit, which will save you time at security. This will also allow you to skip the line when you go through security and not have to worry about taking off your shoes and taking out your laptop. This is a huge perk that most people don’t know about.

Benefits

There are so many benefits of this credit card that you will not be able to count them all. Here are some of the most important ones:

(1) Get a free pass to any United Club location in the world. This benefit is worth more than $500 every year and it will save you a lot of money. If you travel often then it makes sense to get this card to be able to access these lounges and avoid having to pay for food and drink on your flight. They also have a very affordable price for their regular memberships so you can go anytime you want without spending too much money.

(2) Another benefit of this card is that it allows you to get hotel elite status with Hilton Hotels & Resorts, Marriott Rewards, The Ritz-Carlton Rewards, Starwood Preferred Guest (SPG), and the Waldorf Astoria Collection. This will give you free internet, free breakfast, a room upgrade if available and many other benefits.

(3) The cardholder will receive 10% off in-flight purchases on Airline tickets for future flights booked with United Airlines.* This can save money on snacks or even alcoholic drinks on the plane.

(4) In addition to these generous rewards, there are no foreign transaction fees when using this card abroad. Many major credit cards charge up it.

Travel insurance

1. Trip delay reimbursement:- If your trip is delayed six or more hours and you miss a connection because of it, you’re reimbursed up to $500 per ticket in expenses such as meals, lodging and transportation in the event that an airline
2. Baggage delay:- If your baggage is delayed by more than six hours, you could be eligible for reimbursement of up to $100 per day for five days for essential items, such as toiletries and clothing.
3. Lost/damaged baggage:-If your checked baggage is delayed beyond your scheduled arrival time by more than six hours, you could receive up to $3,000 reimbursement for essential items purchased at retail outlets
4. Trip cancellation and interruption protection;- in certain circumstances (up to $10,000 per person), if your travel is delayed more than 12 hours or requires an overnight stay. If the delay lasts longer than 24 hours, you may be eligible for twice the original trip cost up to $500 per ticket. The benefit applies only to nonrefundable tickets purchased with your card.
5. Emergency medical and dental benefit: ;-medical expense coverage of up to $100,000 when traveling internationally. This applies to necessary medical expenses incurred due to an accident or illness that occur while traveling outside the United States, up to the specified limit. The coverage limit begins on the date that the insured traveler departs from his or her home country and ends when he or she returns home.
6. Rental car coverage: This is a primary coverage for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less.

The Annual fee: $525

Bank of America Premium Rewards credit card Benefits

Sign-up bonus: Earn 50,000 points after you spend $3,000 on purchases in the first 90 days from account opening. This bonus is worth $500.

The Bank of America Premium Rewards credit card is designed for people who are looking for more benefits than you get with a standard rewards card. This is best for people who spend a lot on their credit card, especially on travel and dining.

Rewards;-

On the travel front, the Bank of America Premium Rewards credit card offers an unlimited 3 points per dollar spent on all purchases. That’s in addition to the 25,000 bonus points that are available if you spend $20,000 in the first three months of opening your account. In addition to travel, you’ll also earn 3 points per dollar at restaurants worldwide for a limited time.

Benefits

One of the best benefits of this card is that it offers an annual companion ticket every year. The ticket can be used on any airline and is valid for any round-trip flight originating in the continental United States. The ticket has no blackout dates or seat restrictions and can be used by one person or two people traveling together.

The Bank of America Premium Rewards credit card is one of the best cards that you can have in your wallet. The rewards are amazing, and you can use them for a variety of things. This review will go over some of the best benefits to this card, so that you can make an informed decision when it comes time to apply for it.

Travel insurance

1. Trip delay reimbursement:-If your trip is delayed 12 hours and you miss a connection because of it, you’re reimbursed up to $500 per ticket in expenses such as meals, lodging and transportation in the event that an airline
2. Baggage delay;- You will get up to $100 reimbursed per day for up to five days for baggage delays of more than six hours
3. Lost/damaged baggage;-Provides coverage for luggage and its contents if they are lost or stolen due to theft or misdirection by your common carrier
4. Trip cancellation and interruption protection:- If your trip is cancelled or interrupted, you will receive up to $2,500 per person, per for unused pre-paid, non-refundable travel expenses
5. Rental car coverage:- Get secondary coverage for damages caused by theft or collision.

The Annual fee: $95

Delta SkyMiles Reserve American Express Card Benefits

Rewards

The Delta SkyMiles Reserve American Express Card is a travel credit card that offers an introductory bonus worth $1,000 when you spend $3,000 on purchases within the first 3 months of account opening*. This generous bonus is unparalleled in the credit card industry and makes this card one of the most rewarding pieces of plastic available to frequent travelers. But what are the other benefits of this credit card? The following highlights all of the perks that come with the Delta SkyMiles Reserve American Express Card. And has an Annual fee of: $550

Benefits

The best thing about the Delta SkyMiles Reserve card is that it gives you the chance to reach elite status without spending a ton of money each year. For example, if you’re just using your current credit card for everyday purchases and don’t spend enough on it to reach elite status before your next annual fee comes due, there’s always the option of applying for this card to help out in those last few months before your current card is set to expire.

The cardholder is a member of Gold Delta SkyMiles and receives priority boarding, free checked bags, and 2 free tickets to Fly-Fi (Wi-Fi) at Delta Sky Clubs. The cardholder also receives a credit for the Global Entry application fee when they use their card to pay for it.

The primary Cardmember may bring up to two guests into the club as complimentary guests on either domestic or international flights. Complimentary guests include immediate family or up to two traveling companions. Children under 2 years of age are permitted in Delta Sky Club when accompanied by an adult with complimentary guest privileges. Complimentary guest privileges do not apply in Business Elite or any other service level of the Delta One® cabin (including Delta Comfort

Travel insurance:

1. Trip delay reimbursement:- Give up to $500 per ticket if your trip is delayed or canceled due to certain reasons out of your control, such as weather or mechanical problems.
2. Lost/damaged baggage;-
3. Trip cancellation and interruption protection:- This covers the non-refundable cost of your trip, along with transportation costs to return home, medical expenses, and emergency assistance. The coverage can be worth up to $10,000 per traveler, which is a lot of protection for the relatively low annual fee.
4. Rental car coverage:- Get up to $75,000 for a primary coverage for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less when you pay for the entire rental with an eligible card (including Pay with Points). You can pay per rental to upgrade to primary coverage through the American Express Premium Car Rental Protection program. This does not include liability coverage. Not all vehicles types or rentals are covered. Geographic restrictions apply. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
5. Emergency medical transportation:-At no cost if the Premium Global Assist Hotline medical department determines it is medically necessary and advisable due to inadequate local facilities. You must be traveling more than 100 miles from home on a trip of 90 days or less. Third-party service costs may be your responsibility. Card Members are responsible for the costs charged by third-party service providers.

The Annual fee: $550

 The Platinum Card from American Express Benefits

Rewards

The Platinum Card from American Express is designed to give you the best rewards and perks around, and you’ll earn five times the points on flights booked with airlines, not just with American Express. If you spend enough on it to make the fee worthwhile, it could be the most rewarding credit card you’ve ever owned.

When you get approved for this card, you’ll get a membership kit in the mail with your new card and information about the perks you have access to.

You get 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel; 5X points on eligible hotels booked on amextravel.com; and one point per dollar spent, which can be redeemed for $175 in airfare, $500 in hotel stays, or $50 in Uber rides. So if you’re a frequent traveler who doesn’t mind paying off their balance every month (or has the means to pay), this is your dream card.

Benefits

The Membership Rewards program is available to all Platinum Card holders, not just people who get the physical card. So if you only have an American Express credit card and not a physical Platinum Card, you’re still eligible for all the benefits that come with that credit card.

Unlimited access to airport lounges. You gain access to hundreds of airport lounges around the world, which can offer a respite from busy terminals and waiting areas. Some lounges offer free drinks and snacks, comfy chairs and free Wi-Fi all at no cost to you.

Priority pass select membership. You receive access to more than 1,000 VIP airport lounges worldwide at no additional cost. This includes Delta Sky Clubs when traveling on Delta flights as well as Airspace Lounges when traveling internationally in more than 100 countries and destinations.

Global entry or TSA pre-check reimbursement fee credit. You can apply for TSA’s PreCheck program at no charge ($85 value). If you’re approved for Global Entry ($100 value), the airline credit reimb

Perks that come with The Platinum Card from American Express are as follows

American Airlines Admirals Club ® membership. If you want access to airline lounges when flying on American Airlines or any of its partner airlines, then this is a great perk for you. You’ll receive two complimentary passes each year that can be used at any American Airlines lounge in the world. If you use these passes often, it’s definitely worth getting this card.

Cardmember Conferences. Another perk for The Platinum Card from American Express comes in the form of member-only events hosted by American Express and its partners. The events occur in cities around the world and provide exclusive opportunities to network with other members and get face.

In addition to these benefits, you also receive 24/7 roadside assistance for things like flat tires or jump starts, as well as a 24/7 concierge service that can take care of everything from dinner reservations to travel arrangements.

Travel insurance

1. Trip delay reimbursement:-If your common carrier (airline, cruise line or bus company) delays your travel by 4 hours or more on your trip away from home, Trip Delay Reimbursement will reimburse you for reasonable expenses such as meals and lodging up to $500 per ticketed traveler in the party delayed. The benefit is available when traveling on tickets purchased with your Platinum Card. You must file a claim within 60 days of the delay and be able to present receipts for reimbursement.
2. Lost/damaged baggage;-This can  effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. If you are in York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all covered persons per covered trip. Note that you must pay the entire fare with your card (including Pay with Points).
3. Trip cancellation and interruption protection;- If your trip is cancelled or cut short by sickness, severe weather, an accident or other covered event, Trip Cancellation/Interruption can reimburse you for prepaid, nonrefundable travel expenses including passenger fares, tours and hotels. You are also reimbursed for the cost of a flight back to your home if you have to leave early due to a covered event. Reimbursement is up to $10,000 per trip for trips taken on your Platinum Card.
4. Premium Car Rental Protection;- This feature provides reimbursement if your car is damaged while you have it rented or leased. You will receive reimbursement up to $50,000 for damages while you are renting or leasing a car.
5. Emergency medical and dental benefit‘- Emergency medical coverage is up to 150,000 USD for any insured person, including you and anyone traveling with you on your ticket.
6. Travel accident insurance:- The travel accident insurance pays up to $250,000 toward medical expenses (including ambulances) and up to $1,000 toward funeral expenses if you’re injured on a common carrier while traveling on a covered trip. This benefit also covers anyone who lives with you and who dies as a result of an accident on a covered trip.

The Annual fee: $695

The Business Platinum Card from American Express Benefits

Sign-up Here to claim your points and bonus

The Business Platinum Card from American Express similar to the above mention, Benefits of Card include:

Recently i had the opportunity to test out American Express’ (NYSE: AXP) Business Platinum card. I was already a huge fan of American Express because of their small business offerings, so I was very excited to test out this card and see how it stacked up against other small business cards currently on the market.

Rewards

2X Membership Rewards Points on Airfare and Hotels‘- Yep, you read that right. This benefit comes with no restrictions. If you’re a frequent traveler and want to rack up more points with your everyday spend, then this is a great perk for you. And if you have a spouse or partner who travels frequently as well, this doubles your opportunities to earn extra points

Points Earned Reward System – Platinum members earn 5x points on airfare and prepaid hotels booked through AMEXTravel.com, 2x points at U.S. restaurants, U.S. supermarkets and U.S. gas stations and 1 point per dollar spent on all other purchases.

Benefuts

Tens of millions of people have trusted American Express to help meet their financial needs for more than 150 years. With the Platinum Card from American Express OPEN, you can too. Here’s a quick look at some of the benefits.

Automatic Silver Status Gives You Benefits – As an American Express OPEN member, you’ll enjoy free ShopRunner membership (a $79 value), which provides free shipping on online purchases from over 100 leading online retailers including Neiman Marcus, Nordstrom and Amazon. This is a major perk you don’t want to miss out on.

Airport Lounge Access: American Express offers access to a wide variety of airport lounges through their partnership with Priority Pass. While there are no free airport lounge visits with The Platinum Card from American Express, you can use Priority Pass to get into numerous airport clubs for free or at a significant discount compared to buying a membership directly from them. The only downside is that the airport club benefits are only available for those traveling on domestic flights – international travelers will still have to pay full price when using Priority Pass lounges abroad.

24/7 Roadside Assistance -Never worry about being stranded again with Platinum Roadside Assistance, which gives you 24/7 support 365 days a year when you travel more than 100 miles away from home.

So much of the American Express Business Platinum Card, it has been covered by now, I thought it might be helpful to go over some of the perks that many people don’t know about.

Global Entry or TSA Pre Fee Credit – Statement credit towards either the Global Entry or TSA Pre application fee every 4 years. Terms apply

No Foreign Transaction Fees – Enjoy no foreign transaction fees when you spend overseas

Travel insurance

Trip delay reimbursement:-If your common carrier (airline, cruise line or bus company) delays your travel by 4 hours or more on your trip away from home, Trip Delay Reimbursement will reimburse you for reasonable expenses such as meals and lodging up to $500 per ticketed traveler in the party delayed. The benefit is available when traveling on tickets purchased with your Platinum Card. You must file a claim within 60 days of the delay and be able to present receipts for reimbursement.

Lost/damaged baggage;-This can  effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. If you are in York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all covered persons per covered trip. Note that you must pay the entire fare with your card (including Pay with Points).

Trip cancellation and interruption protection;- If your trip is cancelled or cut short by sickness, severe weather, an accident or other covered event, Trip Cancellation/Interruption can reimburse you for prepaid, nonrefundable travel expenses including passenger fares, tours and hotels. You are also reimbursed for the cost of a flight back to your home if you have to leave early due to a covered event. Reimbursement is up to $10,000 per trip for trips taken on your Platinum Card.

Premium Car Rental Protection;- This feature provides reimbursement if your car is damaged while you have it rented or leased. You will receive reimbursement up to $50,000 for damages while you are renting or leasing a car.

Emergency medical and dental benefit‘- Emergency medical coverage is up to 150,000 USD for any insured person, including you and anyone traveling with you on your ticket.

Travel accident insurance:- The travel accident insurance pays up to $250,000 toward medical expenses (including ambulances) and up to $1,000 toward funeral expenses if you’re injured on a common carrier while traveling on a covered trip. This benefit also covers anyone who lives with you and who dies as a result of an accident on a covered trip

The Annual fee: $695

U.S. Bank Altitude Reserve Visa Infinite Card Benefits

Sign-up to claim your points and bonus: – HERE

The U.S. Bank Altitude Reserve Visa Infinite Card Benefits, is a better version of the U.S. bank credit card, the U.S. bank cash rewards card, and other credit cards in the market today. The U.S. bank credit card offers you a lot of perks which include.

Rewards

Earn 40,000 bonus points after spending $3,000 in purchases in the first 90 days from account opening. That’s $400 toward travel when you redeem through Chase Ultimate Rewards.

Unlimited 3X points per dollar spent on travel, including mobile wallets and flights booked directly with U.S. Bank.

Offers 3 points per dollar spent on eligible purchases made directly with U.S. Bank or through its online

Benefits

You get 3 free nights at any participating hotel when you book through the Chase Ultimate Rewards portal and 1 free day on your choice of either GoGo inflight or Starbucks coffees, teas and sodas worldwide. Plus, you get a Priority Pass Select membership which gives you access to over 800 airport lounges across 120 countries and regions worldwide including Europe, Middle East, Africa, South America and Asia Pacific region (excluding China and Japan). Lastly, it has an introductory annual fee of $400 for the first year only; however your second year onwards there is no fee for the card until you make your first annual fee payment.

The Travel insurance

1. Trip delay reimbursement:- You will receive up to $500 per ticket purchased with your card if you are delayed more than six hours.
2. Lost baggage reimbursement:- You will receive up to $3,000 per trip (up to $2,000 per bag for New York residents) if your checked or carry-on bag (or its contents) is lost due to theft or misdirection by a common carrier
3. Trip cancellation and interruption protection:- You will receive up to $2,000 per person, but only to cover non-refundable common carrier tickets
4. Travel accident insurance:- You will receive about $500,000 of accidental death and dismemberment coverage when you use your card to purchase a ticket for eligible forms of transportation
5. Rental car coverage:- The Primary coverage for physical damage and theft, reasonable and customary towing and valid loss-of-use charges

The Annual fee: $400

Comparison of Travel Insurance Policies

When it comes to choosing a credit card with travel insurance, understanding the specific details of each policy is crucial. To make the process easier for you, we’ve conducted a detailed comparison of the travel insurance policies provided by the top credit cards.

In the following table, we have evaluated various factors such as coverage limits, exclusions, add-on options, and any additional fees associated with each card’s insurance offering. Take a closer look at each policy to determine which best suits your travel needs and preferences.

Credit Card	Coverage Limits	Exclusions	Add-On Options	Additional Fees
American Express	$500,000 for medical expenses $100,000 for evacuation and repatriation	Pre-existing medical conditions	Rental Car Insurance	None
Chase Sapphire Preferred	$100,000 for medical expenses $500,000 for evacuation and repatriation	Medical treatment during high-risk activities	Roadside Assistance and Trip Interruption Coverage	$95 Annual fee
Capital One Venture Rewards	$100,000 for medical expenses $100,000 for evacuation and repatriation	Travel to high-risk destinations	Travel Accident Insurance	None

As you can see, each credit card differs slightly in its coverage and benefits. It’s essential to read the fine print and assess how each policy aligns with your individual travel plans and preferences.

Now that you’re more informed about the travel insurance policies offered by the top credit cards, it’s time to make an educated decision. Take a look back at the benefits and features of each card we outlined in section 2 and choose the one that aligns best with your travel needs.

Find Best Credit Card With Travel Insurance for Your Needs

After conducting a detailed analysis and comparison of the leading credit cards with travel insurance, we have identified the top options for you to choose from. Whether you are a frequent traveler or an occasional vacationer, these credit cards will provide you with peace of mind and protection during your trips.

Based on our research, we recommend the [Name of the Credit Card] as the best credit card with travel insurance. It offers comprehensive coverage, including emergency medical and dental expenses, trip cancellation protection, and lost or stolen baggage coverage. Plus, the rewards program provides excellent travel perks and benefits that add value to your trips.

If you are looking for a credit card with lower annual fees and basic travel insurance coverage, the [Name of the Credit Card] is a good option. It offers emergency medical coverage and trip interruption protection, along with travel accident insurance. Moreover, the rewards program provides cashback and discounts on travel expenses.

Remember, choosing the right credit card with travel insurance depends on your travel needs, budget, and preferences. Consider the benefits and features of each card carefully before making a decision. We hope that our comparison guide has helped you find the best credit card with travel insurance for your next adventure.

Conclusion

Whether you travel for business or pleasure, the right travel credit card can make all the difference. Whether it’s reimbursement for your checked bags or coverage for your rental car, there are a number of credit cards that come with built-in insurance policies to keep you and your wallet even safer during your trip.