When planning a trip, you’re probably thinking where you’re going to eat, what activities you’re going to do and what hotels you’re going to book. We often don’t plan for what could go wrong.

Unfortunately, it’s difficult to plan for unexpected cancellations or interruptions, but it’s possible to be prepared. Some credit cards that offer travel insurance that can cover trip cancellation or interruption can help.

What to Look for When Selecting a Credit Card for Travel Insurance

There are a few things to keep in mind when looking for a credit card with travel insurance.

First, you want to make sure that the coverage is comprehensive enough for your needs. Second, you’ll want to check the details of the policy to see what is and isn’t covered and confirm the coverage limits. Finally, you’ll want to make sure that you’re comfortable with the company’s customer service.

Credit Cards that Offer Travel Insurance

Here are a few credit cards that offer travel insurance.

American Express

While we’ve seen some issuers scale back their trip cancellation and interruption travel insurance, American Express has added these benefits to a few cards. Amex is now offering trip cancellation and interruption on the following personal cards:

    In addition, American Express is offering trip cancellation and interruption insurance on the following business cards:

     

    One nice thing about Amex’s trip cancellation and interruption insurance is that the coverage is the same on all cards offering this benefit.

    Amex’s benefits require that your travel be round trip and that you return home within 365 days from departing. Amex further clarifies that a combination of one-way tickets is also covered.

    So if you booked two one-way flights, you’re eligible for coverage as long as you return home within a year.

    To get the coverage, you must charge the entire amount of the trip to one of the eligible cards listed above. If you’re booking an award ticket with miles, you’d have to charge all of the taxes and fees to your eligible American Express card.

    Receiving trip cancellation or interruption travel insurance does have some limits. You can expect to be covered if you experience any of the following:

    • Accidental bodily injury or loss of life or sickness to the eligible traveler, a traveling companion or a family member of either party
    • Weather that prevents reasonable travel from occurring or continuing
    • An eligible traveler or their spouse receiving changes in military orders
    • Terrorist actions or hijacking
    • Receiving orders for jury duty or being subpoenaed, so long as you can’t postpone or waive the orders
    • If the eligible traveler or traveling companion’s dwelling is made uninhabitable
    • Quarantine imposed by a physician for health reasons

    If you want to read through all the benefits yourself (which we recommend), you can do so by finding your relevant card here.

    Young man with broken leg in plaster cast

    Accidental bodily injury or loss of life or sickness to the eligible traveler, a traveling companion, or a family member of either party.

    Young woman waiting for boarding

    Credit cards can insured the traveler when the weather prevents travel from occurring or continuing.

    If you have to cancel your trip for any of the eligible reasons, your non-refundable costs that were paid with your eligible card are eligible for reimbursement. If your trip is interrupted, you can receive reimbursement for any non-refundable transportation costs that are missed.

    You will also be reimbursed for any extra transportation costs incurred due to the interruption. These additional expenses may not exceed the cost of an economy-class air ticket on the most direct route home.

    Additionally, Amex’s trip cancellation and interruption insurance will cover a loss that requires you to temporarily postpone transportation. If you have to postpone your travel, then you can be reimbursed for any additional expenses to purchase tickets for the new departure dates. You can also be reimbursed for any unused, non-refundable land, air or sea arrangements that were already paid with your eligible card.

    Amex limits for this coverage are reasonable for many travelers. You’re eligible for a maximum benefit of $10,000 per covered trip, up to $20,000 annually.

    Keep in mind that all of these benefits from Amex are secondary to any other insurance you have, so be sure to file elsewhere first before using the benefits from your Amex card. If you don’t have any other coverage, then your Amex benefits will kick in right away.

    To start your trip cancellation or interruption insurance claim with American Express, call 1-844-933-0648. You’ll have 180 days after the date of loss to file written proof of loss.

    Secuer airport

    Amex card's travel insurance can cover travel interruption caused by terrorist actions or hijacking

    Bank of America

    Bank of America offers trip cancellation and interruption insurance on some of its credit cards. You may notice one peculiar feature about most of the cards offering trip cancellation and interruption insurance: they’re not travel rewards cards.

    You’ll find trip cancellation and interruption travel insurance offered on the following Bank of America credit cards:

    • Bank of America Premium Rewards credit card
    • MLB Credit Card
    • U.S. Pride Credit Card
    • World Wildlife Fund credit card

    Each card comes with up to $5,000 per person per trip in reimbursement for unused prepaid nonrefundable travel expenses if travel needs to be canceled or is interrupted for covered reasons.

    There is a catch that applies to the MLB Credit Cards, the World Wildlife Fund Credit Card and the U.S. Pride Credit Card. To receive the trip cancellation and interruption insurance, you must be approved for a World Mastercard. All of these cards can be issued as a regular Mastercard or as a World Mastercard, but unfortunately, you won’t know in advance which one you’ll be approved for.

    Considering it isn’t a guaranteed benefit with the other cards, the Premium Rewards card is your only safe bet if you’re thinking about getting a card from Bank of America and know you want to have built-in trip cancellation and interruption coverage. However, if you’re hoping to earn valuable travel rewards at higher rates, this card still isn’t the best option—other issuers offer better options.

    Female doctor checking temperature

    Quarantine imposed by a Physician for health reasons is a valid reason covered by Amex cards travel insurance listed above.

    Barclays

    Although not advertised, Barclays does offer trip cancellation and interruption insurance on some of its credit cards. However, the only way to know is to check after you’ve been approved for a card.

    Because it isn’t advertised, we can know based on available data points only. As of right now, the following Barclays-issued credit cards are confirmed to provide trip cancellation and interruption travel insurance:

    To see if you’re eligible, click “rewards and benefits” at the top of your card page after logging in. You should have the option to select “travel benefits” where trip cancellation and interruption will show up if available.

    On these cards, trip cancellation and interruption insurance is limited to $5,000 per trip, with a 12-month maximum of $10,000.

    Union protest

    An organized strike affecting public transportation that causes you to miss at least 20% of the scheduled duration of your trip or the departure of a cruise or tour is a valid reason to claim trip cancellation and interruption insurance if you booked with Chase cards listed below. 

    Chase

    Chase offers trip cancellation and interruption insurance on a variety of cards. The benefits from Chase vary between cards, so you’ll need to read through your card benefit to check the exact details of your coverage and decide if they’re sufficient for your needs.

    You may be eligible for trip cancellation and interruption travel insurance if you booked your trip using the following Chase credit cards:

    One thing that’s great about trip cancellation and interruption insurance through Chase is that you­ don’t have to pay everything on your Chase card to receive coverage. You just need to have paid a portion of your trip with the card to be eligible.

    So whether you just paid taxes and fees on an award ticket or split the payment up between a few cards, you’re eligible for coverage.

    The amount that you’re eligible to claim depends on which card you used to book your trip. Some cards limit coverage per person, and all have a per-trip maximum.

    CardMaximum Benefit Per PersonMaximum Benefit Per Trip
    Chase Ink Preferred$5,000$10,000
    IHG® Rewards Club Premier Credit Card-$5,000
    Marriott Bonvoy Premier Card-$5,000
    Sapphire Preferred$10,000$20,000
    Sapphire Reserve$10,000$20,000
    United℠ Business Card$1,500$6,000
    United Club℠ Infinite Card$10,000$20,000
    United Explorer$1,500$6,000
    United TravelBank Card-$1,500
    World of Hyatt-$5,000

    Chase’s trip cancellation and interruption insurance extends to you and your immediate family, even if you aren’t traveling with them so long as you paid for a portion of your trip with a card offering the benefit.

    Thankfully, immediate family is defined pretty broadly by Chase and includes your spouse, children, siblings, parents, grandparents, grandchildren, nieces, nephews, aunts and uncles.

    You and your immediate family can be reimbursed for non-refundable travel or any alternate travel plans that you have to make because of a cancellation or interruption. If you booked with a Chase card that offers trip cancellation and interruption insurance, you’re covered in the following situations:

    • Accidental bodily injury, death or illness
    • Severe weather
    • Named storm warning
    • A change of military orders
    • A call to jury duty or a subpoena that cannot be postponed or waived
    • Burglary, fire, flood or any other action that causes your permanent residence to be made uninhabitable
    • Your lodging accommodations at the destination of the trip being made uninhabitable
    • Death or hospitalization at your destination
    • Quarantine imposed by a physician or by a competent governmental authority due to health reasons
    • An organized strike affecting public transportation that causes you to miss at least 20% of the scheduled duration of your trip or the departure of a cruise or tour.

    Additionally, the following events qualify you for a claim under trip cancellation only:

    • A terrorist incident within 25 miles of your permanent residence within 30 days of your schedule departure date
    • Terrorist incident within 25 miles of an airport, lodging or destination listed on your itinerary within 30 days of your scheduled arrival
    • A travel warning due to terrorism issued by the U.S. government for the immediate vicinity of your permanent residence within 10 days of scheduled departure
    • A travel warning due to terrorism issued by the U.S. government within 25 miles of an airport, booked lodging or destination that is in effect within 30 days preceding your scheduled departure date

    The following eligible reasons are specific to trip interruption:

    • Terrorist incident within 25 miles of an airport, booked lodging or host at destination listed on your itinerary while you’re on the trip
    • Travel warning due to terrorism issued by the U.S. government for a geographic area within 25 miles of an airport, booked lodging or host destination that is issued while you’re on your trip

    The following reasons are explicitly excluded from coverage by Chase:

    • A change in plans, financial circumstances and any contractual obligations you may have that cause you to need to cancel or interrupt your trip
    • A pre-existing condition that occurs prior to the initial deposit date or booking date of your trip
    • Loss due to a voluntary surrender of any vouchers, tickets or other remedies provided by the travel supplier prior to the expiration date
    • Travel arrangements scheduled to happen after the 26th week of pregnancy, so long as the pregnancy occurred prior to the initial deposit or booking date of the trip, or at any time if the pregnancy happened due to an assisted reproductive program
    • Any losses that are occurred because you’re on a waiting list for specified medical treatment
    • Trips booked for the purpose of obtaining medical treatment
    • Disinclination to travel due to civil unrest
    • Failure to obtain necessary visa, passports or other travel documents
    • Your attempt or actual performance of an illegal act
    • Suicide, attempted suicide or intentional self-inflicted injury
    • Being under the influence of non-prescribed controlled substances
    • Your disinclination to travel due to an epidemic or pandemic
    • Default of the carrier due to financial insolvency
    • Financial insolvency of a travel agency, tour operator or travel supplier
    • War or any warlike acts by a military force, excluding terrorism
    • Trips booked to an area known to be associated with terrorist activity

    Chase’s limitations on travel insurance coverage are more strict compared to other issuers. Your trip can’t exceed 60 days, so those who are on the road for extended periods of time won’t find the coverage as useful as that provided by others, such as Amex.

    If you need to file a claim with Chase, you can submit your claim online. You can also submit your claim by calling the benefit provider at 1-888-320-9961 if you’re inside the U.S. or 1-804-673-1691 if you’re outside the U.S.

    You’ll need to file your claim within 20 days of the cancellation or interruption, and you’ll have 90 days to submit all requested documentation to the benefit administrator. You’ll be asked to provide things like a completed and signed claim form, travel itinerary and any documentation relating to your claim.

    Keep in mind that Chase’s coverage is secondary, meaning they’ll pay out whatever damages you have that aren’t remedied by other insurance, the airlines or the tour operators.

    A Mother Measure Temperature On Her Sick Child

    Accidental bodily injury, death, or illness is a valid reason to claim travel insurance on trip cancellation and interruption benefit from Chase credit cards if used in booking.  This benefit extends to your spouse, children, siblings, parents, grandparents, grandchildren, nieces, nephews, aunts, and uncles.

    Capital One

    The Capital One Venture X Rewards Credit Card, the issuer’s newest travel rewards card, is the first consumer Capital One card to offer trip cancellation and interruption insurance.

    Each insured person can be reimbursed up to $2,000 in eligible expenses, as long as the entire cost of the trip is charged to that card. Eligible people for insurance include the primary cardholder, the cardmember’s spouse and any dependent children.

    Some Capital One business cards offer trip cancellation insurance that’s fairly limited. You’ll find trip cancellation on the following business cards:

    The catch is that the card must be issued as an enhanced Visa Signature Business card to get the benefit. Some are issued as a regular Visa Signature Business card, and some are issued as a Mastercard. There’s no way to know in advance which type of card you’ll be approved for.

    Even if you get a Visa Signature Business card, you’ll need to check your benefits guide to see if you received the enhanced version.
    If you do receive a Capital One card with trip cancellation travel insurance, you’re only eligible for coverage in the event of death, injury, disease or illness of you or an immediate family member. The only other coverable event is financial insolvency of the common carrier.

    Coverage is limited to $2,000 per insured person per claim. You’ll have 20 days to file a written claim to the claim administrator at the following address:

    CBSI Card Benefit Services
    550 Mamaroneck Ave., Suite 309
    Harrison, NY 10528

    There’s no phone number, email address or website. You need to send a written notice that you have experienced a loss, and the benefits administrator mail you back the proper forms to fill out.

    Facial Recognition Technology

    If you booked with a Chase card that offers trip cancellation and interruption insurance, you’re covered in quarantine imposed by a physician or by a competent governmental authority due to health reasons.

    Visa Infinite Credit Cards

    Finally, there’s a class of credit cards that all earn trip cancellation travel insurance—Visa Infinite Cards.

    There are a few different cards that are issued as Visa Infinite cards:

    • Chase Ritz-Carlton Card (discontinued)
    • UBS Visa Infinite Credit Card
    • U.S. Bank Altitude Reserve Visa Infinite Card

    There’s a base level benefit that comes with all Visa Infinite cards, but check your benefits guide from the provider for expanded benefits. At a minimum, all Visa Signature cards include $2,000 per covered traveler for common-carrier travel.

    Some cards, like the Chase Sapphire Reserve®, are Visa Infinite cards that have expanded benefits.

    The standard Visa Infinite benefit does require you to book the entire trip with your card, but coverage is extended if you use the rewards program associated with your card.

    You’re eligible to file a claim with your Visa Infinite card if you or an immediate family member suffers death, accidental bodily injury, disease or illness. You’re also covered in case of financial insolvency of the common carrier.

    To file a claim, contact the plan administrator. This one may sound familiar to you, but you need to contact the plan administrator by mail within 20 days of a loss at

    CBSI Card Benefit Services
    550 Mamaroneck Ave., Suite 309
    Harrison, NY 10528

    Again, there’s no phone number, website or email address specifically listed to begin your claim. You have to start your claim by mail.

    All flights cancelled sign at airport

    There’s a lot of great options for trip cancellation and interruption insurance. You likely have a card in your wallet that has this benefit right now, so check them if the current situation can cover your loss or you are eligible to claim travel insurance benefits .

    Final Thoughts

    If you’re looking for a credit card with trip cancellation or interruption insurance, your best bet is to start by comparing your options. Chase and American Express offer some of the more comprehensive trip cancellation and interruption coverage, depending on what your exact needs are.

    And while Capital One, Barclays, Bank of America, Visa Infinite and World Elite Mastercard offer some trip cancellation coverage, it’s important to read the fine print to make sure you have the protection you need.

    *Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

    **The maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

    Passport and Visa

    Failure to obtain necessary visas, passports, or other travel documents is explicitly excluded from coverage by Chase travel insurance.