10 Best Credit Cards for Travel Insurance in 2021

Traveling is an exciting prospect, but it can also be risky. From lost luggage to cancelled flights, there are a number of things that can go wrong when you’re on the road. That’s why it’s important to have travel insurance. And what better way to get travel insurance than with a credit card? In this guide, we’ll take a look at the best travel insurance credit cards on the market today.

In today’s world, where travel has become an integral part of our lives, it is important to ensure that we not only have the best travel experiences but also have adequate protection against any unforeseen events that may occur during our trip. This is where travel insurance comes in. Credit cards that offer travel insurance are becoming increasingly popular as they offer a convenient and cost-effective way to stay protected while traveling.

Benefits of Travel Insurance Credit Cards

Before we dive into the specific cards, let’s talk about why travel insurance credit cards are a good idea. For starters, they’re convenient. You don’t need to worry about buying travel insurance separately, because it’s already included with your credit card. This can save you time and money.

Another benefit is that many travel insurance credit cards offer perks like airport lounge access, free checked bags, and travel credits. These perks can help make your trip more enjoyable and less stressful.

Top Travel Insurance Credit Cards

Now let’s take a closer look at some of the best travel insurance credit cards on the market:

Chase Sapphire Preferred

The Chase Sapphire Preferred is a popular travel credit card that offers a range of benefits. One of the biggest perks is the travel insurance, which includes trip cancellation and interruption coverage, baggage delay insurance, and travel accident insurance.

But that’s not all. The Chase Sapphire Preferred also offers 2x points on travel and dining, and 1x point on everything else. Plus, if you spend $4,000 in the first three months, you’ll receive a bonus of 60,000 points.

Capital One Venture

The Capital One Venture is another great travel credit card. It offers travel accident insurance, baggage delay insurance, and auto rental collision damage waiver. Plus, you’ll earn 2x miles on every purchase, with no limit on how much you can earn.

But perhaps the biggest perk of the Capital One Venture is the ability to transfer miles to more than 15 airline partners. This means you can book flights with a variety of airlines, rather than being limited to just one.

Citi Prestige

The Citi Prestige is a premium travel credit card that offers a range of benefits. The travel insurance includes trip cancellation and interruption coverage, baggage delay insurance, and travel accident insurance. Plus, you’ll receive a $250 annual travel credit to use on flights, hotels, and other travel expenses.

Other perks of the Citi Prestige include airport lounge access, free fourth night at any hotel, and 5x points on air travel and restaurants.


Travel insurance credit cards are a great way to protect yourself while traveling. They offer convenience, perks, and peace of mind. The Chase Sapphire Preferred, Capital One Venture, and Citi Prestige are just a few of the best travel insurance credit cards on the market. Do your research, compare your options, and choose the card that’s right for you. Happy travels!

The Ultimate Guide to Finding the Best Travel Insurance


Traveling is an exciting and enriching experience, but it comes with its own set of risks. Unexpected events such as flight cancellations, lost luggage, and medical emergencies can ruin your trip and leave you with a hefty bill. That’s where travel insurance comes in. With so many options available, it can be overwhelming to choose the best one for your needs. In this guide, we’ll cover the key factors to consider when selecting a travel insurance plan.

When it comes to choosing the right travel insurance plan, it is important to have a comprehensive understanding of all the coverage options available. By doing so, you will be able to make an informed decision that meets all your travel needs.

Coverage Options

When choosing a travel insurance plan, it’s important to understand the different coverage options available. Most plans offer a combination of the following:

Trip Cancellation/Interruption

This coverage reimburses you for non-refundable expenses if your trip is cancelled or interrupted due to unforeseen circumstances such as illness, injury, or natural disaster. Make sure to read the fine print as some plans only cover specific reasons for cancellation.

Medical Coverage

This coverage provides reimbursement for emergency medical expenses while traveling. It’s especially important if you’re traveling outside of your home country, where your regular health insurance may not be valid. Be aware of any pre-existing conditions that may not be covered by the plan.

Baggage Coverage

This coverage reimburses you for lost, stolen, or damaged luggage. Some plans also offer coverage for delayed baggage, which can be especially helpful if you’re traveling with important items such as medication or business documents.

Evacuation Coverage

This coverage provides assistance and reimbursement for emergency medical evacuation in the event of a serious illness or injury while traveling. It’s important to note that not all plans cover evacuation, so make sure to check before you buy.

Plan Types

Once you’ve determined which coverage options you need, it’s time to choose a plan type. The three main types of travel insurance plans are:


This plan covers a specific trip and is ideal for those who travel infrequently. It’s typically the most affordable option.


This plan covers multiple trips within a specific time frame, usually a year. It’s a good option for frequent travelers as it can save time and money.


This plan covers a group of people traveling together, such as a family or business team. It can be more cost-effective than purchasing separate plans for each individual.

Additional Factors to Consider

When choosing a travel insurance plan, there are a few additional factors to consider:


The deductible is the amount you must pay out of pocket before the insurance kicks in. Plans with higher deductibles usually have lower premiums, but make sure the deductible is affordable in case of an emergency.

Age Limits

Many travel insurance plans have age limits, so make sure to check if you’re eligible before purchasing.

Pre-Existing Conditions

If you have a pre-existing medical condition, make sure to check if it’s covered by the plan. Some plans exclude pre-existing conditions or require a waiting period before coverage begins.


Travel insurance is an important investment to protect yourself from unexpected events while traveling. By understanding the different coverage options, plan types, and additional factors to consider, you can choose the best travel insurance plan for your needs. Remember to read the fine print and compare quotes from multiple providers to ensure you’re getting the most value for your money. Bon voyage! read more https://www.nerdwallet.com/article/travel/credit-cards-that-provide-travel-insurance

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