What is the best travel card for travel insurance

Card Recommendation Request Forum
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I do not spend much on travel—roughly $3,000 a year—but I am searching for a credit card that offers the best protection against misplaced luggage and weather-related flight delays—is that even possible?—and also makes sense financially in the event of an AF.

Due to a weather problem, I had a horrible experience recently and learned to plan ahead for my next overseas trip, which would perhaps save me 25 hours of extra travel time.

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Chase Sapphire Preferred Card is the best option for you. With an annual fee of $95, this card offers trip cancellation/interruption insurance, baggage delay insurance, and trip delay reimbursement. It’s a solid mid-tier option with good coverage.

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You can explore any of the following options:

  • The Platinum Card from American Express. This card offers comprehensive travel insurance, including trip cancellation/interruption insurance, baggage insurance, and trip delay insurance. It also provides access to premium travel benefits.
  • Capital One Venture X Rewards Credit Card. This card offers travel accident insurance, trip cancellation/interruption insurance, and lost luggage reimbursement. It is a good option if you are looking for a balance between benefits and annual fees.
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CSR covers weather delays but the AF is high. Check CSP travel insurance as well.

Venture X doesn’t cover weather delays.

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Travel money cards are prepaid debit cards that can be conveniently loaded before going on a trip. It is incredibly convenient; some banks allow their customers to top up money in several currencies, so individuals will not need to exchange money while traveling.

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You’re seeking a credit card that offers solid protection against luggage mishaps and flight delays, without a hefty annual fee.

Key Features to Look For:

  • Luggage Delay Insurance: Covers expenses incurred due to delayed baggage.
  • Trip Delay Insurance: Reimburses costs like meals and lodging if your trip is delayed.
  • Rental Car Insurance: Provides coverage for damage to rental vehicles.
  • Travel Accident Insurance: Offers financial protection in case of accidents during travel.

Recommended Cards to Consider:

While no card offers all of these features without an annual fee, here are some strong contenders:

Cards with Annual Fees (More Comprehensive Coverage):

  • Chase Sapphire Preferred: Offers extensive travel protections, including trip delay and baggage insurance, with a moderate annual fee.
  • Chase Sapphire Reserve: Includes even more robust coverage like primary rental car insurance, but with a higher annual fee.

Cards Without Annual Fees (Basic Protection):

  • Discover It Cashback: Provides some travel protections like rental car insurance and purchase protection with no annual fee.
  • Capital One Venture Rewards: Offers travel accident insurance and rental car insurance, though coverage for luggage and trip delays may be limited.

Important Considerations:

  • Review the Fine Print: Ensure you fully understand the details of each card’s travel insurance coverage.
  • Consider Your Spending Habits: If you travel frequently, a card with an annual fee may offer better value due to superior benefits.
  • Weigh Other Perks: Take rewards, cashback, and additional perks into account when deciding on the right card.

Lastly, while credit card protections can be helpful, purchasing travel insurance—especially for international trips—can provide more comprehensive coverage.

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Great travel cards with strong insurance benefits include Chase Sapphire Preferred, Chase Sapphire Reserve, American Express Platinum, Citi Premier, and Capital One Venture.