Many travel credit cards include some sort of travel insurance benefits, though the exact coverage will vary.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card offers a strong lineup of travel protections for a $95 annual fee card. Benefits include auto rental collision damage waiver, baggage delay insurance and lost luggage reimbursement, travel accident insurance, trip cancellation/interruption insurance, trip delay reimbursement and other nontravel consumer protections like purchase protection. The card is also among the top travel rewards cards offering competitive earnings rates on travel and dining purchases and flexible redemption options.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® with a $550 annual fee has some of the best travel protections on the market. It has all the travel insurance benefits of the Sapphire Preferred (with slightly different terms) plus emergency evacuation and transportation coverage and an emergency medical and dental benefit. The Reserve offers similar rewards as the Preferred and access to premium travel perks like Priority Pass.
Capital One Venture X Rewards Credit Card
The $395 (rates & fees) annual fee Capital One Venture X Rewards Credit Card offers solid travel protections because it’s a Visa Infinite Card.
The benefits include auto rental collision damage waiver, trip cancellation and interruption insurance, trip delay reimbursement, lost luggage reimbursement and nontravel consumer protections like cellphone protection. The card offers a simple flat-rate rewards structure and several valuable travel perks like Priority Pass access and a credit for TSA PreCheck® or Global Entry.