These credit cards have excellent built-in travel insurance.

Travel is messy now, and when many things go wrong, you may end up somewhere overnight or your luggage may be delayed for an upcoming trip. Of course, you can always buy a comprehensive travel insurance policy to cover the extra costs you may incur, but most credit cards have some built-in coverage. A specific policy may be sufficient to save costs. Here are some great cards that come with Travel Insurance.

Chase Sapphire Reserve ፡ Most comprehensive travel coverage

Chess Safer Reserve has the most comprehensive travel insurance on the market – but it costs you $ 550 a year. Travel insurance benefits include the following

• Primary Car Crash Injury Prevention Coverage Up to $ 75,000 Coverage
• road trip –Payment Delay When your trip is delayed by six hours or more for a covered traveler of up to $ 500
• Up to $ 10,000 ($ 20,000 per covered trip)

• Luggage Delay Coverage Your luggage is at least six hours late for up to $ 100 a day for one covered passenger for up to five days.
• Up to $ 3,000 per covered passenger for a lost luggage return bag
• Roadside assistance is available for up to $ 50 per event, up to four times a year
• Emergency evacuation up to $ 100,000
• Emergency medical and dental care up to $ 2,500
• Travel Accident Insurance to the Joint Provider Travel Accident Insurance Up to $ 1,000,000 or $ 100,000 for 24 Hour Travel Insurance

Cardholders will receive up to $ 100 to cover the application fee for the high annual fee Global Entry or TSA PreCheck, Pre-Pass Lounge membership and $ 300 annual credit which will be paid for $ 300 for initial travel purchases.

The card earns 10 final points per dollar for hotel and chassis car rentals, five points per dollar for chassis flights, three points per dollar for other travel and dining purchases, and one dollar per dollar. On all other purchases. Points can be redeemed for 1.5 cents each through Chase Travel and Eligible Purchases via Pay Yourself Back or transferred to Chess Travel Partners in a 1 1 1 ratio.

Chase Sapphire Preferred Pound Most comprehensive travel coverage with an annual fee of less than $ 100

The travel insurance provided by Chase Sapphire Preferred is the same as the one provided by the reserve, and the annual fee of the card is only $ 95. The benefits include:

• Prevention of previous car rental collision damage
• road trip –Payment Delay Up to $ 500 per covered passenger when your closing trip is delayed by 12 hours or more
• Travel Cancellation Up to $ 5,000 (maximum two) ($ 20,000 maximum in 12 months)
• Baggage Delay Cover Your baggage bag is at least 12 hours late for up to $ 100 a day for one covered passenger for up to five days.
• Up to $ 3,000 per covered passenger for a lost luggage return bag
• Travel Accident Insurance for Co-Carrier Travel Accident Insurance Up to $ 500,000 or $ 100,000 for 24 Hour Travel Accident Insurance

Chase Sapphire Preferred offers an annual 10% bonus and an annual $ 50 credit for booking Chess Travel hotels.

This card earns five final prize points per dollar of travel expenses for Chess Travel, $ 3 for food, online grocery and streaming purchases, $ 2 for all travel purchases and $ 1 for other purchases. .

The final prize points associated with Chase Sapphire Preferred can also be transferred to Chase partners in a 1 1 1 ratio, but can be purchased at a minimum price of 1.25 cents each at Chase Travel or in person.

Other credit cards with good travel insurance

Many Other credit cards offer good travel insuranceBut you need to dig into the good print on the various cards to make sure there are no pulls. Other popular cards include:

Capital One Venture X.

Capital One Venture X offers the following travel benefits.

• Prevention of previous car rental collision damage
• road trip –Payment Delay When your trip is delayed by six hours or more for a covered traveler of up to $ 500
• Travel Cancellation Up to $ 2,000 per covered passenger
• Up to $ 3,000 per covered passenger for a lost luggage return bag
• Travel Accident Insurance coverage up to $ 1,000,000

Capital One Venture X offers mobile phone insurance, early pass lounge membership, $ 300 annual travel credit, 10,000 annual bonus miles, up to $ 100 TSA PreCheck or Global Entry Application Credit and earns valuable points through capital. One trip or one of the travel partners to the capital.

Venture X will receive $ 10 miles for Capital One Travel hotels and rental cars, $ 5 miles for Capital One Travel flights and $ 2 for all purchases. The card costs an annual fee of $ 395.

Bank of America High Reserve

Bank of America Reserve Reserve offers the following travel protections.

• Prevention of previous car rental collision damage
• road trip –Payment Delay When your trip is delayed by six hours or more for a covered traveler of up to $ 500
• Travel Cancellation Up to $ 2,000 per covered passenger
• Up to $ 3,000 per covered passenger for a lost luggage return bag
• Travel accident insurance coverage up to $ 500,000

The card earns $ 325 a year for travel credits, access to the advance lounge lounge, application fee credit for TSA PreCheck or Global Entry and 1.5 cents points for travel each.

Altitude Reserve earns five points per dollar for prepaid hotels and car rentals at Altitude Rewards Center, three points for travel and mobile wallets, and one point per dollar for other purchases. The card has an annual fee of $ 400.

Platinum Card from American Express

The platinum card offers some travel insurance benefits that are more generous than any other card on the market, but some lack a defin-

• Secondary car rental injury damage (cardholders have the option of paying an additional fee of $ 12.25 to $ 24.95 for premium coverage with the added limit)
• road trip –Payment Delay When your trip is delayed by six hours or more for a covered traveler of up to $ 500
• Trip up to $ 10,000 ($ 20,000 per 12 months)
• The lost luggage charge is $ 3,000 per person per trip for bags of checked luggage per passenger or $ 2,000 for checked bags.
• There is no cost limit for emergency evacuation.

Platinum card has many more benefits than American Express, but it is one of the most expensive personal credit cards on the market for an annual fee of $ 695. It offers up to $ 240 per year for digital entertainment credits, up to $ 200 for airline accident credits, up to $ 200 in Uber Cash credits, up to $ 300 in Equinox credits, up to $ 100 on Saks Fifth Avenue, and up to $ 189 in credit. For CLEAR, Walmart + credits up to $ 155, and pre-pass lounges, access to Amex Centurion Lounges and Delta SkyClubs on the same day.

The card earns five points for one dollar and one point five dollars for hotels owned directly by the airline or US Express Travel (purchases up to $ 500,000 per calendar year), hotels owned by Amex Travel. Used on all other purchases. Membership rewards points can be transferred to different airline and hotel partners at 1 1 1.

There are no annual payment cards with limited travel insurance

While all travel credit cards offer an annual fee, there are a few annual payment cards that offer limited coverage. For example, Chase Freedom Flex offers the following:

• High Level Car Rental Injury Prevention Secondary means you must claim your personal car insurance before credit card insurance can begin.
• Up to $ 1,500 ($ 6,000 per trip) per traveler

Includes Chase Freedom Flex Mobile phone insurance coverage.

at last

Credit card travel insurance is an amazing benefit, and in general, all you have to do is charge your travel expenses on the card (it may be easier if your credit card offers bonus points on the trip). Check your existing credit cards to see if there is a built-in travel insurance. If you do not, or the coverage is not enough for you, consider whether another credit card method may work.