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Credit cards with travel insurance for 2024

Does your credit card come with travel insurance as an added perk find out here..

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Credit cards with travel insurance comparison table

Priority pass discounts, which credit cards offer free travel accident insurance, american express preferred rewards gold credit card, amex cashback everyday credit card, british airways american express credit card, british airways american express premium plus credit card, american express rewards credit card, benefits of paying for a holiday on a credit card, what is covered.

  • What isn't covered?

How to file a claim with a credit card issuer

Frequently asked questions.

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Credit cards have a number of benefits. Perhaps the most obvious is that they can help you break down the cost of an expensive purchase into more manageable payments over several months – ideally interest-free. But some also come with a range of perks, such as travel insurance.

However, rather than being offered comprehensive travel insurance with your credit card, you’re most likely to be offered “travel accident insurance”. This will cover accidental death or accidents resulting in a permanent injury. How much cover you get will depend on the card and whether you need to pay an annual fee.

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Some of the credit cards that offer free travel accident insurance are outlined below. You’ll notice that all of these are American Express cards.

The Amex Preferred Rewards Gold credit card has an annual fee of £140 (£0 in the first year) and offers the following:

  • Travel accident insurance of £250,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.
  • Cover for flight delays, overbooking or missed connections of up to £200 if no alternative is made available within 4 hours of the published departure time.
  • Baggage delay cover of up to £200 per person for reimbursement costs of essential items if your checked-in baggage has not arrived at your destination within 4 hours of your arrival. This limit increases by an additional £200 if your baggage does not arrive within 48 hours of your arrival.

The Amex Platinum Cashback Everyday credit card has no annual fee and offers the following:

  • Travel accident insurance of £150,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.

Travel delays are not covered.

The British Airways American Express credit card has no annual fee and offers the following:

  • Travel accident insurance of £75,000 for accidental death or accidents resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle where the ticket was bought on the card account.

The British Airways American Express Premium Plus credit card has a £250 annual fee and offers the following:

  • Cover for flight delays, overbooking or missed connections of up to £200 if no alternative is made available within 4 hours of the published departure time. Up to an additional £400 is payable for overbookings only if alternative arrangements are not provided within 6 hours.
  • Baggage delay cover of up to £750 for reimbursement of costs of essential items following baggage delay by an airline for 6 hours. Up to an additional £1,000 is available if baggage has not arrived within 48 hours of your arrival time.

The Amex Rewards credit card has no annual fee and offers the following:

Although you won’t get full travel insurance with your credit card, paying for a holiday on a credit card gives you protection through Section 75 of the Consumer Credit Act. This means that if your holiday costs more than £100 and up to £30,000, and you paid either a deposit or the full price on your credit card, you should be able to claim your money back if something goes wrong. Examples include if your airline or holiday company goes under or if the trip isn’t as described.

The cost of your flights or holiday must be more than £100 to be covered, but you don’t have to have paid more than £100 on the credit card to qualify. Instead, it’s the cash price of the holiday or flights that matters. Provided your holiday cost more than £100, even if you only paid a deposit of £50 on your credit card and paid the rest in cash or on a debit card, you’ll still be covered for the full amount.

Under Section 75, you’ll be covered against the following:

  • The travel company, airline or accommodation provider going bust
  • The holiday not being as described
  • Your travel provider cancelling the holiday
  • Additional expenses that you have to pay for through no fault of your own – for example, if you have to pay for more expensive flights to get home after an airline goes bust

What isn’t covered?

Section 75 won’t cover you in the following circumstances:

  • You decide not to take your holiday
  • You withdrew cash on your credit card to pay for the holiday
  • An additional cardholder paid for a holiday that the primary cardholder won’t be going on
  • You bought your holiday through intermediaries such as PayPal – although this will depend on the seller. Note that if you bought your holiday through a travel agent, your ability to claim on Section 75 will depend on who took your payment and what it was for. If the travel agent sold you a package holiday that they put together, you will usually be covered as the travel agent is a party to the contract.

Section 75 means that your credit card company is jointly liable with the holiday firm if something goes wrong. If you need to make a claim, it’s generally best to approach the holiday company first to see if they can help. But if they don’t reply, or if you are able to contact them because they have gone into administration, for example, you can go straight to your credit card company.

The process of making a Section 75 claim can vary depending on the provider. In some cases, you can do this through your mobile banking app or by speaking to someone via an online chat service. In other cases, you will need to contact your card provider by phone or by filling in an online form.

When you make your claim, it’s important to include as much detail as possible as well as any receipts of your purchase. If you’ve already approached the holiday firm, include any evidence of this if you can. Explain what you would like your credit card provider to do, which will usually be to issue you with a full refund, and keep a record of all communication.

If you cannot resolve the issue with either the holiday or card company, you can contact the Financial Ombudsman Service, which can independently assess the case. You must do this within 6 months of your claim being rejected.

Is a credit card with travel insurance all you need?

What's covered under trip cancellation insurance.

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Rachel Wait

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.

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User friendly website and competitive quote

Application for quote online was very straightforward and easy to obtain. Price at the end of it was very competitive and less than my 2023 premium. I was happy to go ahead with the insurance cover. Bigger issue was trying to cancel my previous cover with a big company who thought a 50% increase in premium in one year was acceptable. I think it's called greed.

Date of experience : 20 March 2024

Reply from John Lewis Finance

Hello Mr Tull, I'm delighted we have provided you with a competitive quote for your insurance needs and that you ae happy with the cover. I trust you will continue to enjoy using our services. ^Sophie

You can always depend on John Lewis

For as long as I remember for many years I’ve been doing most of my purchases with John Lewis. They are trustworthy and will take care of all problems if and when they occur. So trusting them with my house insurance came in sort of natural way for me, and I would recommend anyone to do the same and I trust they won’t regret it.

Hi Eliezer, thank you for choosing John Lewis. I trust you will enjoy using our insurance services as much as you have enjoyed shopping with us over the years. ^Sophie

Smooth using my card for first time to…

Smooth using my card for first time to purchase an Air Fryer. Considering purchasing Apple Mac Book Pro 14 inch but not enough credit, yet.

Date of experience : 19 March 2024

Hi there, I'm pleased you've already put your Partnership card to good use. I hope you're enjoying your air fryer! ^Sophie

It was easy to apply for and a very…

It was easy to apply for and a very fast response to let me know that I had been successful. Once my card was received it was activated by telephone and I could use it straight away. Brilliant service. I would definitely recommend this product.

Thank you for your recommendation Marie. I'm pleased you found the application process simple and were able to start using your card quickly. ^Sophie

John Lewis Credit Card Simply the Best

I am absolutely very pleased with my John Lewis credit card which I have recently had issued and a generous credit amount. The application process was very easy to follow and a quick decision. I have a buffer when I need to use it and I will use it sensibly. I hope to be a customer for a long time. I highly recommend this card and what it offers if you shop with the card in John Lewis outlets. Compared to the run of the mill credit card companies John Lewis is simply the best. This is a genuine feedback on 22/03/2024 Malcolm Spinks Brighton BN2

Hi Malcolm, thank you for your lovely review. I'm delighted the application process was quick and easy for you. We look forward to having you as a customer now and in the future. If you need any help, our dedicated team is always at hand to discuss your needs. ^Sophie

Insurance cover

We needed to renew our home insurance and found John Lewis offered the level of cover we needed. The website was easy to use, and offered a comprehensive cover at a reasonable cost.

Hi Sally, thank you for your review. I'm delighted we've been able to provide you with the cover needed and that you found the process easy and simple. ^Sophie

It would be easy to be better

Positives - good package of cover and simple process to complete Negatives - link from price comparison site defaulted to Amex and there was no way around that. I had to start again direct. It may save the commission but it's unhelpful and likely to mean customers drop off. Also i have yet to receive email confirmation with a policy number so have not been able to set up online account

Hi there, thank you for your feedback. I will certainly direct your comments to our development team. If you call our dedicated team on 0345 608 9011, they will loacte your policy number from your email address and provide details on how to set up your online account. ^Sophie

Absolutely terrible

Absolutely terrible. Whilst the application and approval process was relatively straightforward, I wasn't able to use the credit card straightaway as advertised. Neither the partners in store or on the help line could resolve the problem. A week later and I still couldn't spend on the card. The help line put me through to the Fraud department and I was made to feel like a criminal. A horribly stressful experience and a total waste of my precious weekend time.

Hi, I'm very sorry for the inconvenience caused when you were unable to use your Partnership card as expected. I hope this has been rectified for you now and that you enjoy using your card. If you continue to have issues and wish to discuss this further please call us on 0330 175 9829. ^Sophie

Application process was simple

Application process was simple, quick & easy. Card arrived within a few days & overall all set up to spend within a week or so.

Thank you for your review Shabaz, I'm pleased your card arrived quickly. I trust you will enjoy using it and the service we provide. ^Sophie

Easy to use, great price

Simple to use and with clear instructions. The link was not available from all comparison sites. The price was good, as we're the various additional options.

Hi George, I'm delighted you were happy with what we offer and that you found the cover you need for your needs. ^Sophie

Your site had a 'technical issue' and…

Your site had a 'technical issue' and could not complete my payment. I tried several times and then went elsewhere. Even on GoCompare your site could not give a quote due to 'technical issue'. I have now cancelled my application, and received email confirmation from you that it has been cancelled. Now you are thanking me for taking out my Home Insurance with you...

Date of experience : 21 March 2024

Hi Paul, I'm very sorry for the miscommunication you received after experiencing technical difficulties whilst attempting to generate a home insurance quote. I hope you have found the cover you need, if there is anything we can do to help please call our dedicated team on 0345 608 9011 ^Sophie

A money saver

Came up as the cheapest company on confused.com All the benefits were just as good as the dearer companies and you even pay by monthly direct debit.

Hi Delia, I'm pleased you are happy with the benefits and options identified. I trust you will enjoy using our services. ^Sopie

Very quick and efficient..

Very quick and efficient.. No problem at all with applying and setting up my insurance. No stress what so ever. Highly recommend.

Hi Donna, thank you for your recommendation. I'm pleased you found the application process easy, simple, and quick. ^Sophie

Trusted brand and good perks come with…

Trusted brand and good perks come with the John Lewis credit card. Support apps are easy to navigate and I liked the security guidance provided.

Hi Indi, thank you for your feedback. I'm delighted you are happy with your Partnership card and the perks that come from using it. ^Sophie

Terrible service, broken system invalidated my quote

Terrible service, I was given a quote on the 21st March that was valid for 30 days, I received email confirmation and pdfs. When I went to retrieve and pay for the quote on 23rd March, I was told there was an error in the system and all quotes from the previous week were invalid. I was told I would need to create a new quote which was almost double the price. They do not honor their quotes and did not offer any good will, I would steer clear of the John Lewis insurance.

Date of experience : 23 March 2024

Hi Fen, I'm very sorry for the inconvenience caused when your initial quote was invalidated. I regret any upset caused and hope you have found insurance cover for your needs. ^Sophie

Really good Home Insurance quote…

Really good Home Insurance quote compared with our existing supplier LV who hiked the price up by £400.00 on renewal.

Hi David, thank you for choosing John Lewis, I'm pleased you found a competitive quote for your cover and trust you will enjoy our service. ^Sophie

All done online, easy to complete form, east to understand t&c's. Three different levels of insurance to choose from, reasonably priced.

We are so glad to hear how you found the experience, Joan. Thanks for the review ^Andrew

The online insurance service was straightforward and user friendly. I had to complete the paperwork for a family member and it was easy to explain to them what I had done for them

Hi Lesley, I'm pleased you found the application process simple and delighted you and your family are happy with our insurance service. ^Sophie

Website doesn’t seem to be working

Website doesn’t seem to be working . No policy details sent . Contacted customer services . Said they would email documents manually . Never happened . No problems taking the money though .

Hi Bernice, I'm sorry you didn't receive your policy documents as expected. If you have not yet received the policy documents via email as requested, I'd be keen to follow up on this for you. Please send a copy of this review along with your policy number, name, and billing address to [email protected] ^Sophie

No fuss easy application, great service.

Easy to apply for and set up the app which allows me to monitor my spend and payments. Query re activating additional card was resolved really quickly by contact centre who were knowledgable and aware of the benefits of the card. Excellent service!

Date of experience : 15 March 2024

Hello, so pleased you found the application process simple and love some of the many aspects of the app. It's great to read about the service you received when making contact with the team. ^Alan

This is your sign to check your credit card for travel insurance

Before buying a policy, know what your card covers and how to use it.

john lewis mastercard travel insurance

When a trip goes haywire, travel insurance suddenly comes into focus. A recent spat between a Boston restaurant owner and a customer highlighted the intricacies — and far-reaching effects — of what happens when a trip is canceled.

According to posts on X , the now-viral incident began in January, when New York resident Trevor Chauvin-DeCaro became sick and was hospitalized. Because of his condition, Chauvin-DeCaro says he was no longer able to travel to Boston as originally planned. However, he said he used credit card travel insurance to be reimbursed for expenses from hotel, train and restaurant reservations.

Here’s where the story gets a bit murky. Chauvin-DeCaro and his husband were set to dine at Table, an upscale restaurant owned by Jen Royle in Boston’s North End. In screenshots posted to X from a social media exchange with what appears to be Royle, Chauvin-DeCaro is scolded for disputing the $250 reservation cancellation charge.

Wild story incoming. Last month, we had to cancel our Boston trip after I was hospitallized. As a result I had to use travel insurance to get my money back on our hotel, train, and restaurant reservations. Today I got this message from @tableboston pic.twitter.com/d7jc84rllJ — chase travel insurance it girl (@trevorshowvan) February 22, 2024

“I just wanted to personally thank you for screwing over my restaurant and my staff when you disputed your cancellation fee,” the message reads. “I really hope in the future you have more respect for restaurants, especially small businesses such as mine. Pathetic.”

In a heated exchange, the restaurant insists that the $250 charge was a credit card dispute, while Chauvin-DeCaro stresses his use of credit card travel insurance, even noting that “the decision to use [it] to address the lofty cancellation fee was not made lightly.”

Filing an insurance claim with your credit card company is different than a dispute. For many travelers, your credit card may come with built-in travel protections, and you may not even know it. Here’s how to use it properly.

How credit card travel insurance works

Whether it’s a trip across the world — or, in Chauvin-DeCaro’s case, up to Boston — having travel insurance can provide major relief if things go awry. Flight delays, lost baggage, illness, injuries and other unforeseen events can disrupt even the best-laid plans.

There are dozens of credit cards with embedded travel insurance coverage, which may include policies for trip interruption and cancellation ; delayed and lost baggage; rental car coverage; emergency medical assistance ; and more. Your credit card agreement will detail the coverage.

Many popular credit cards, such as the Platinum Card from American Express or Chase Sapphire Reserve Card, offer these benefits. “If you have a card that’s travel-focused, there’s a good chance you may have travel protection benefits and not even realize it,” says Stella Shon, a credit card expert for Upgraded Points . “Every cardholder has a benefits guide online from their issuer, so a first step is to check there.”

To qualify for coverage, a traveler must use that specific card to make the travel purchases and provide proof, as with any insurance policy. When the time comes to file a claim, there’s usually an option to either call a specific number or do it online, Shon says.

Filing an insurance claim vs. disputing a charge

Although it may seem like semantics, there is a major distinction between a disputed charge and a travel insurance claim, according to Gary Leff, a credit card expert and founder of the View From the Wing blog.

“Disputing a credit card charge is for when you didn’t actually make a purchase that was billed to you, when the product or service provided isn’t what had been described, or when you don’t receive what you bought,” Leff says. In other words, a dispute addresses risks when the transaction itself goes awry. A dispute can be requested on any credit card under the Fair Credit Billing Act , so long as you meet certain criteria.

Conversely, embedded credit card travel insurance, underwritten by a third-party company and labeled as “trip interruption” or “trip cancellation,” for instance, operates differently. Typically, it’s higher-end credit cards, such as American Express’s Platinum Card or the Chase Sapphire Reserve Card, that offer this benefit.

Card travel insurance offers reimbursement for nonrefundable payments and other trip-related expenses when incidents arise before or during a trip. Although monetary compensation is a primary benefit, there is another valuable perk of travel insurance: peace of mind.

“You may have agreed to make a purchase, but circumstances outside of yours and the merchant’s control mean you’re unable to take advantage of that purchase,” Leff says. In other words, travel insurance addresses risks outside of a transaction. In either instance, travelers must provide documentation to go along with the claim.

Then, on the merchant side, there are key differences between a customer disputing a charge vs. filing a travel insurance claim. Axel Hellman, co-founder of transportation company OurBus , says “a travel insurance claim has no impact on the business.” Hellman notes that he typically wouldn’t even know if a customer uses an insurance benefit.

Neither Chauvin-DeCaro nor Royle responded to a request for comment by The Washington Post. Spokespeople for both American Express and Chase say there wouldn’t ever be a situation in which credit card travel insurance would submit a dispute for the cardholder.

However, a disputed charge filed by a customer can have “significantly negative” consequences. “Businesses like ours are not only fined when there’s a dispute, but eventually we could lose processing privileges,” Hellman says. “That’s regardless if the dispute is valid or not.”

Meanwhile, the social media exchange between Chauvin-DeCaro and Royle continued to escalate and ended with Table’s owner threatening legal action.

A combination of an insurance claim and a dispute may have been at play here. Leff suspects that Chauvin-DeCaro may have contacted his credit card company to make an insurance claim and that the agent may have initiated a dispute on his behalf. That further highlights the importance of travelers distinguishing between the two.

Chris Dong is a freelance travel writer and credit card points expert based in Los Angeles. You can follow him on Instagram: @thechrisflyer .

More travel tips

Vacation planning: Start with a strategy to maximize days off by taking PTO around holidays. Experts recommend taking multiple short trips for peak happiness . Want to take an ambitious trip? Here are 12 destinations to try this year — without crowds.

Cheap flights: Follow our best advice for scoring low airfare , including setting flight price alerts and subscribing to deal newsletters. If you’re set on an expensive getaway, here’s a plan to save up without straining your credit limit.

Airport chaos: We’ve got advice for every scenario , from canceled flights to lost luggage . Stuck at the rental car counter? These tips can speed up the process. And following these 52 rules of flying should make the experience better for everyone.

Expert advice: Our By The Way Concierge solves readers’ dilemmas , including whether it’s okay to ditch a partner at security, or what happens if you get caught flying with weed . Submit your question here . Or you could look to the gurus: Lonely Planet and Rick Steves .

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John Lewis: Travel Insurance reviews

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About the travel insurance.

Do you buy travel insurance before going abroad? There are hundreds of different travel insurance policies on the market, all designed to help you stay protected while travelling...and giving you piece of mind, whether you're enjoying a sun swept beach or on an adverture-packed holiday. But with so many different policies to choose from, finding the right policy for you can be quite confusing. Reading our John Lewis travel insurance reviews can help you find out what other travellers have to say. You can also write your John Lewis travel insurance review too!

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John lewis travel insurance reviews ( 3 ), friendly service, prompt service.

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Good price single trip quotation

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John Lewis and Partners store in Oxford Street, London

Dismay as John Lewis quietly drops its travel insurance

Firm says Brexit not to blame as it pulls plug on partnership with Brussels-based group

John Lewis has stopped selling travel insurance after a number of years, it emerged this week.

The move prompted speculation that the decision was Brexit-related, coming just weeks before the UK is scheduled to leave the EU – but the retailer has dismissed this.

John Lewis has offered travel insurance, in partnership with Ageas – which is part of a Brussels-based group – since 2012, and its cover is highly-rated. But the company said with the contract coming to an end, it had decided to stop selling the insurance from 18 February.

The decision emerged after a Guardian Money reader got in touch to say he has been “very happily” covered by John Lewis on an annual worldwide policy for the past three years. He received an email late last month saying the retailer would no longer provide cover after his policy ended on 11 March.

“I phoned and emailed to ask why, but the message is simply that John Lewis has decided not to provide travel insurance in the future,” he says.

The email says: “Unfortunately, I have no more information to offer you. We have not been provided with a reason other than they have chosen to no longer be involved in the travel insurance sector.”

The company said existing cover remains unaffected.

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Kuoni travel at John Lewis

Planning a holiday is a really exciting time and we want our in-store experience to be just as special as it always has been, whilst keeping you safe at the same time.

We believe holidays start from the moment you start planning, so we have taken care to make sure you'll feel safe, relaxed, and confident whilst you talk to us about your holiday ideas.

Our friendly, well-travelled Personal Travel Experts will be there to welcome you – they have all been given training on hygiene, cleanliness, and distancing so we comply with all the necessary cleanliness and hygiene requirements throughout the store. 

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When you visit us in store, you’ll be able to draw on the knowledge and experience of our team of personal travel experts.

Everyone you meet will have travelled widely, and to an extraordinary variety of destinations around the world. So it’s likely you’ll get to speak to people who intimately know the destination you’re thinking of. And if they don’t know, they’ll know someone who will – drawing on their network of contacts both in the UK and in your chosen destination.

And you’ll have at least one thing in common. They eat, sleep and breathe travel too. 

Kuoni

To make sure we have plenty of time to listen to your plans we highly recommend that you book an appointment.

Some of our Kuoni opening hours have changed. If you are not able to come into us, you can contact us by phone, email or book a video appointment 

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Kuoni have been rated joint top in a survey about the best and worst holiday companies in the UK by Which?. The high rating has resulted in Kuoni being awarded Recommended Provider status by the UK's largest consumer organisation. 

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We know that these are uncertain times right now so to reflect that we are currently offering unprecedented flexibility so you can still book a holiday to look forward to. Kuoni Flex, which we introduced in the response to the COVID-19 crisis, offers flexibility on all holidays we sell, whether that’s moving your travel dates or even choosing a different destination. 

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We Are Here To Support You As The World Opens Up Again

With so much focus in the news on travel and what’s possible and what’s not, our team is at the forefront of travel developments. Our friendly experts are here to look after your holiday from beginning to end so, if anything changes in the world, we can help to amend your trip along the way.

We’re working hand-in-hand with our travel partners around the world on a checklist of guidelines to ensure that the travel experience throughout adheres to health protection guidance. 

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The full Kuoni experience

Planning the perfect holiday takes great skill and it should be an exciting experience. Book an appointment and a travel expert will listen to what’s important to you, before inspiring you with ideas.

There are many destinations to choose from and you’ll get the very best advice and recommendations.

200+ awards

Kuoni is repeatedly voted the best luxury holiday company in the UK and has won over 200 awards because of its incredible holidays and service.

Speak to someone who has been there, a better experience comes from talking to someone who has been there. Contact Kuoni’s virtual call centre to speak to a travel expert over the phone or book a video appointment and talk to one of the team face-to-face.

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With a 24-hour emergency helpline, ABTA membership and ATOL bonding, you’re in safe hands with Kuoni 

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BEACH HOLIDAYS

The Kuoni team has travelled the world to find the very best beach holidays. You could relax on a tiny island in the Maldives exclusive to Kuoni UK guests, or discover an adults-only retreat in Antigua with rustic pool villas and day beds on a quiet stretch of sand. Whether you’re travelling with kids, your partner or looking for a solo escape, Kuoni has hand-picked the finest beach holidays. 

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Meet archaeologists who are restoring China’s Terracotta Warriors; pick tea in Sri Lanka’s Hill Country ; or browse vibrant markets in Thailand.

Our escorted small group tours are packed full of experiences and inclusions, and led by the very best local guides. Join a guaranteed departure or ask Kuoni’s travel experts about upgrading to a private tour. 

Tailor-made adventures

Explore Australia’s cities and seaside towns in a motorhome, ride a train through the Canadian Rockies before cruising through glacial landscapes in Alaska, or fly over the Maasai Mara in a hot-air balloon, spotting Kenya’s big cats from a new safari perspective. If you’re ready for an adventure, Kuoni is ready to inspire you and tailor-make a holiday you’ll always remember. 

Other holiday types include:

Weddings abroad

Sailing holidays

All-inclusive holidays

Stay & Cruise holidays

City breaks

Villa holidays

Wellness & spa holidays

Family holidays

LGBT holidays

Ski holidays

Train journeys

Activity holidays 

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

  • Travel insurance is intended to cover risks and financial losses associated with traveling.
  • Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
  • When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

  • Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
  • Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
  • Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
  • Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
  • Medical evacuation benefit: 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.
  • Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
  • Emergency medical and dental benefits: 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.
  • Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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COMMENTS

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