The Best Credit Cards With Trip Delay Insurance. As of my last update in January 2023, many credit cards offer trip delay insurance as a benefit. Here’s a list of some of the top credit cards known for their trip delay insurance benefits. Please note that card benefits, terms, and conditions may change over time, so it’s essential to review the most recent cardmember agreements or contact the card issuers directly for the latest information:
The Best Credit Cards With Trip Delay Insurance
- Chase Sapphire Preferred Card:
- Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, up to $500 per ticket.
- Chase Sapphire Reserve:
- Trip Delay Reimbursement: Similar to the Preferred, if delayed more than 6 hours or an overnight stay is required, you’re covered for up to $500 per ticket.
- The Platinum Card from American Express:
- It offers trip delay insurance covering up to $500 in expenses per trip delayed more than 6 hours.
- Citi Prestige Card:
- As of my last update, the Citi Prestige was providing trip delay protection. If you’re delayed more than 6 hours, you could be reimbursed up to $500 per traveler.
- Bank of America Premium Rewards credit card:
- Offers trip delay reimbursement of up to $500 per ticket for delays of 12 hours or more.
- U.S. Bank Altitude Reserve Visa Infinite Card:
- If a trip delay keeps you from reaching your destination on the originally scheduled day, you can be reimbursed for additional expenses up to $500.
- World and World Elite Mastercard holders:
- These cards may offer trip delay insurance, but specifics can vary depending on the issuing bank.
When considering a credit card specifically for its trip delay insurance, consider the following:
- Coverage Amount: How much will the card reimburse you per incident?
- Delay Requirement: How long must the delay be before the insurance kicks in?
- Coverage Scope: What expenses are covered? Common ones include meals, lodging, toiletries, and medication.
- Premium: Is there an additional cost for this benefit, or is it included with the card’s annual fee?
- Other Benefits: Consider other travel perks or rewards the card might offer.
Finally, always read the card’s benefit guide or terms and conditions carefully. Not all delays may qualify for reimbursement, and there might be specific exclusions or requirements to be aware of. Before traveling, it might also be a good idea to notify your credit card company about your travel plans to facilitate the processing of any potential claims.
Also Checkout: The Best Credit Cards With Priority Boarding