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During uncertain times — whether on the global or personal level — trip cancellation insurance can be a valuable credit card benefit.
Now, there are plenty of credit cards with trip cancellation insurance, and they can provide a great benefit, but it’s extremely important to be aware of the fine print that come with trip cancellation protection.
The fact is that you may not be covered for all that you think you are when you get a credit card with trip cancellation protection, so we put together this article to clear the air.
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Credit Card Trip Insurance Overview
Many of us have found ourselves canceling upcoming trips, and if you do, you may be on the hook for the cost of your trip, no matter why you cancel.
Even if you can change things like your flights or your hotel bookings, you may be charged a change fee.
If you pay for your trip with some credit cards, however, you might have trip cancellation protection — an often-overlooked benefit that comes with certain credit cards.
What Is Trip Cancellation Insurance?
Trip cancellation and interruption insurance will provide reimbursement for trip expenses that are otherwise prepaid and nonrefundable.
The specifics of what’s covered and how much coverage you have varies, depending on the credit card.
Trip cancellation insurance offers reimbursement when you have to cancel a trip before you’re set to depart.
Trip interruption is reimbursement when you’re already on a trip and something happens to lead you to have to cancel it and return home.
What Could Cause a Trip Cancellation Claim to Be Denied?
Credit cards with trip cancellation insurance will have very specific exclusions and covered losses.
The coverage is often pretty limited.
Most credit card insurance coverage will include surprise illnesses, but not necessarily illnesses linked to pre-existing conditions.
For example, if you have a chronic illness and you have a flare while away, it’s likely your insurance claim through your credit card company would be denied.
Situations that would be more likely to be covered include sudden death or a natural disaster.
Other things that could lead to your claim’s denial include:
- You didn’t pay for your trip with your card.
- You’re going on a longer-term trip, and the length of your trip exceeds how much coverage you have.
- You’re going somewhere that’s not covered — some coverage only applies if you’re traveling domestically.
- You’ve already made a certain number of claims recently.
- Your card only protects outbound travel and not return travel.
These are just examples, of course. Every credit card issuer — and even cards from the same issuer — may have different guidelines, and while we have researched the top cards with trip cancellation insurance in this article, always be sure to check our credit card’s terms and conditions.
Travel Insurance vs. Credit Card Trip Cancellation Insurance
Typically, travel insurance offers more protection than what you would get with credit card trip cancellation insurance.
While travel insurance plans do have some of the same exclusions as credit card trip cancellation insurance, you can customize a travel insurance plan so that you get more protection.
The optional riders available when you purchase travel insurance can include coverage for missed connections, security, and political unrest as well as “cancel for any reason” coverage.
However, with credit card insurance, there are not only specific losses and exclusions but also very specific situations where you can make a claim for reimbursement.
Coronavirus and Trip Cancellation Insurance
With all that’s currently going on, many people are wondering what their coverage options are if they cancel their trip because of coronavirus, also known as COVID-19.
Insurance that is tied to your credit card benefits probably won’t offer coverage unless you’re actually sick with the virus.
To make a claim with your card insurance, you would usually need to not only have the virus but also have been advised not to travel by a medical professional.
You might have coverage if someone you’re traveling with gets the virus as well.
Some cards specifically state that if you don’t travel because of an epidemic or pandemic you aren’t covered.
If you’re going because you’re practicing social distancing or you’re worried about being in a foreign country and getting stuck, your credit card cancellation coverage probably won’t apply.
Luckily, many travel providers are providing refunds or waiving change or cancellation fees.
5 Things to Think about Before Getting a Credit Card with Trip Cancellation Insurance
If you’re thinking about getting a card that offers trip cancellation insurance, the following are things to consider.
What Types of Coverage and Exclusions Come with the Insurance?
You need to read the fine print before you get a card because it has trip cancellation insurance.
Not only are the offerings different between card issuers, but also between cards.
If you don’t know what you’re getting, you may be lulled into a false sense of security that would prevent you from getting other forms of travel insurance.
Would the Annual Fee Be Worth the Insurance Benefits?
If you’re thinking about getting a certain credit card simply because of the trip cancellation insurance, you have to sit down and decide whether or not the annual fee is worth it compared to the amount of coverage you might get.
For example, would it be cheaper to get a different card with no annual fee and then purchase separate trip insurance?
What Is the Process For Filing a Claim?
You will typically need to file a claim if you paid for a trip with your credit card and it’s canceled or delayed.
You’ll usually have to go through the issuer’s website, and in a situation like we’re currently facing with COVID-19, you may have to wait a while to receive a decision.
You have a short window of time to start a claim — usually within a few weeks after the date of loss.
You’ll also need to supply documentation such as copies of your trip itinerary and proof of your covered reason, like a death certificate.
Should You Get Additional Travel Insurance?
Even if you’re thinking about getting a card with cancellation coverage, will you likely need additional coverage as well?
You’ll need to look at not only the situations that are excluded but also maximum benefit amounts.
For example, if you have a trip that you paid in total $8,000 for and your card only offers up to $5,000 in coverage, you might want to purchase more coverage.
Who’s Covered?
Not only what but who is covered varies by card.
For example, you might find that if you purchase a trip with your card, all of your immediate family members are covered, while other cards might extend coverage to your traveling companions.
Chase Trip Cancellation Insurance
Certain Chase cards have trip cancellation insurance. Here are the details of Chase’s coverage on the Chase Sapphire Preferred, as an example.
How Chase Trip Cancellation Works
Chase tends to offer among the best cancellation and interruption insurance options for cardholders, although the specifics vary between cards.
Chase trip insurance covers trips when they are paid for with an eligible Chase card, or when a trip or a portion of a trip is paid for with rewards earned on an eligible Chase card.
If you had a Chase Sapphire Preferred Card, as an example, you would get trip cancellation coverage with reimbursement if a covered loss prevents you from taking your trip either before or on your departure date.
You may also receive reimbursement if a trip is postponed because of certain losses and fees are incurred when you set a new date for departure.
Chase coverage on the Sapphire Preferred card includes the cardholder and immediate family members. Immediate family members receive coverage even if the cardholder isn’t with them.
Coverage is up to $10,000 per covered trip with a maximum limit of $20,000 per occurrence. The maximum benefit amount per 12-month period is $40,000 for the Sapphire Preferred card.
You can file a claim online at eclaimsline.com or contact their claims line for more information.
Where Chase Trip Cancellation Insurance is Great
The coverage limits on Chase Sapphire Preferred trip cancellation insurance are a positive point, with maximum benefits of $40,000 in a 12-month period.
There’s also trip delay reimbursement if your common carrier travel is delayed more than six hours, and there is emergency medical and dental coverage for eligible medical expenses from emergency treatment during a covered trip.
Where Chase Trip Cancellation Insurance Falls Short
The downsides of Chase trip cancellation insurance (at least in the case of the Sapphire Preferred, which we are using as an example) are similar to what you’ll find with other card coverage.
For example, while there is emergency medical coverage, it’s capped at $2,500, and if you face a medical emergency while you’re abroad, that may not even put a dent in your expenses.
There are also many things not covered, including:
- Travel arrangements canceled by a travel agency, common carrier or tour operator unless the cancellation is because of weather or a public transportation strike
- Changes in financial situations
- Changes in plans
- Pre-existing conditions
- Traveling when it’s advised against by a physician
- Declared or undeclared war
- Trips that are longer than 60 days
- Insolvency of the tour operator, travel supplier or travel agency
Does Chase Cover Coronavirus Cancellations?
Chase does not cover coronavirus cancellations unless you are actually ill or someone in your travel party is.
“Disinclinations” to travel because of a pandemic or endemic are excluded from coverage.
Best Chase Cards with Trip Cancellation Insurance
The following is an overview of Chase card’s trip cancellation insurance coverage.
Chase Sapphire Reserve
- Trip Coverage: The Chase Sapphire Reserve includes trip cancellation reimbursement of up to $10,000 per covered trip, with a maximum limit of $20,000 per occurrence and a maximum benefit amount of $40,000 per 12-month period.
- Other Rewards and Perks: The Chase Sapphire Reserve includes 5X points on air travel and 10X points on hotels and car rentals through Chase Ultimate Rewards(R). 3X points on travel and dining, then 1 point for all other purchases.
- Welcome Offer: Currently, earn 60,000 bonus points with $4,000 in spending on purchases in the first three months after opening a new account. That’s a value of $900 if redeemed for travel purchases through Chase Ultimate Rewards.
- Annual Fee: The Chase Sapphire Reserve's annual fee is $550 and $75 for each authorized user.
Chase Sapphire Preferred
- Trip Coverage: The Chase Sapphire Preferred offers up to $10,000 per covered trip for the cardholder and their immediate family, even if the cardholder isn’t traveling with them. There is a maximum limit of $20,000 per occurrence, and a 12-month maximum benefit amount of $40,000. Coverage includes accidental bodily injury or sickness, severe weather, terrorism or hijackings, and a court subpoena or jury duty that can’t be postponed.
- Other Rewards and Perks: Earn 5X points on travel purchased through Chase Ultimate Rewards(R). 3x points on dining and 2X on all other travel purchases. Get 25% more value when redeeming points for travel through Chase Ultimate Rewards(R).
- Welcome Offer: Earn 80,000 bonus points after spending $4,000 in purchases in the first three months after opening an account.
- Annual Fee: The Chase Sapphire Preferred has an annual fee of $95.
United Club Card
- Trip Coverage: The Chase United Club Card offers reimbursement up to $10,000 per person and $20,000 per trip for prepaid and non-refundable travel expenses if they’re purchased with the United Club Card. This includes hotels, tours and passenger fares.
- Other Rewards and Perks: The Chase United Club Card includes United Club membership, Premier access, and two free checked bags. Earn four miles per dollar on United purchases, two miles per dollar spent on all travel purchases, dining on restaurants, then one mile per dollar spent on all other purchases.
- Welcome Offer: Earn 80,000 Bonus Miles.
- Annual Fee: The Chase United Club card has an annual fee of $525.
IHG Rewards Premier Card
- Trip Coverage: With the IHG Rewards Premier, if your trip is canceled or interrupted because of severe weather, sickness or other covered situations, you can be reimbursed up to $5,000 per person and up to $10,000 per trip. This includes non-refundable and pre-paid travel expenses like passenger fares, hotels and tours
- Other Rewards and Perks: Earn up to 25 IHG Rewards Club points per $1 spent when you stay at IHG hotels. Earn 2X points per dollar when you use your card for purchases at grocery stores, restaurants and gas stations, and one per dollar on everything else. Earn a reward night at worldwide IHG hotels for each anniversary year, and if you redeem points for any stay of at least four nights, you also earn a reward night.
- Welcome Offer: Earn 140,000 Bonus Points + 1 Free Night with $3,000 spent on purchases in the first three months after account opening.
- Annual Fee: The IHG Rewards Premier has an annual fee of $99,.
World of Hyatt Credit Card
- Trip Coverage: With the World of Hyatt Credit Card, if your trip is canceled because of severe weather, sickness, or other covered situations, you may receive reimbursement of up to $5,000 per trip for non-refundable and pre-paid travel expenses. These expenses include tours, hotels and passenger fares.
- Other Rewards and Perks: The World of Hyatt Credit Card earns nine points per dollar spent on Hyatt stays and experiences, including restaurants and spas. That includes five base points per dollar as a World of Hyatt member and four bonus points per dollar that you spend on your card. Earn two bonus points per dollar for on spending on local transit and commuting and two bonus points per dollar spent at restaurants, cafes and coffee shops. Earn two bonus points per dollar for flights purchased from airlines and two bonus points per dollar spent on gym and fitness club memberships, and finally one bonus point is earned per dollar spent on everything else.
- Welcome Offer: Limited Time Offer -- Apply by September 30, 2021 and you will receive 2 Tier-Qualifiying Night Credits for each night you stay from August 16 - December 30, 2021.
Earn 30,000 bonus points after spending $3,000 on purchases in the first three months of opening an account. Two bonus points per $1 on purchases for the first $15,000 in the first six months of account opening. - Annual Fee: The World of Hyatt Credit Card has a $95 annual fee.
Ink Business Preferred Credit Card
- Trip Coverage: The Ink Business Preferred Card from Chase features trip cancellation and interruption reimbursement for cardholders and immediate family members, even if the cardholder isn’t traveling with them. The coverage is up to $5,000 per covered trip, with a maximum limit of $10,000 per occurrence. There’s a maximum benefit of $20,000 for 12 months. Coverage includes accidental bodily injury, sickness or loss of life, terrorism or hijacking, severe weather, jury duty or financial insolvency of the travel carrier.
- Other Rewards and Perks: Earn 3X points on travel purchases as well as certain business purchases up to the first $150,000 in combined purchases. For all other purchases with the Ink Business Preferred, you’ll earn one point per dollar.
- Welcome Offer: The Ink Business Preferred card earns 100,000 bonus points if new cardholders spend $15,000 on purchases in the first three months after opening an account.
- Annual Fee: The annual fee for the Ink Business Preferred card is $95.
United Explorer Card
- Trip Coverage: The United Explorer Card includes trip cancellation and interruption insurance. You may be eligible for reimbursement up to $1,500 per person, and up to $6,000 per trip. Your trip has to be pre-paid and non-refundable, and it has to be canceled or interrupted because of a covered reason such as severe weather or sickness.
- Other Rewards and Perks: With the United Explorer Card, two miles per dollar spent on United purchases and at restaurants, hotel stays, eligible delivery services and one mile per dollar spent all other purchases. The card comes with United travel benefits like the first checked bag free per roundtrip. Priority boarding privileges and access to United ClubSM with two one-time passes each year.
- Welcome Offer: With the United Explorer Card, new cardholders can earn 50,000 bonus miles after spending $3,000 on purchases within the first three months the account is open.
- Annual Fee: There is no annual fee for the first year of having the United Explorer Card, and after that introductory period, it’s $95.
Chase Freedom Card
- Trip Coverage: With the Chase Freedom Card, you may be eligible for trip cancellation or interruption insurance if you experience a covered loss. Coverage extends to the cardholder and their immediate family members, and up to $1,500 per passenger is available and $6,000 per trip. Some examples of what’s covered include accidental bodily injury, sickness or terrorism.
- Other Rewards and Perks: The Chase Freedom Card earns 5% cash back on combined purchases in quarterly bonus categories, and 1% cash back on other purchases.
- Welcome Offer: Expired Offer -- Earn $200 cash back with the Chase Freedom Card if you spend $500 on purchases in the three months after you open a new account.
- Annual Fee: The Chase Freedom Card has no annual fee.
Chase Freedom Unlimited
- Trip Coverage: The Chase Freedom Unlimited includes trip cancellation and interruption insurance up to $1,500 per person, and $6,000 per trip if your trip is canceled or interrupted because of a covered reason. Reimbursement is available for non-refundable passenger fares and prepaid expenses.
- Other Rewards and Perks: The Chase Freedom Unlimited credit card includes unlimited 1.5% cash back earnings on every purchase you make with the card, and there aren’t minimums to redeem the cash back you earn. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drug stores, and 1.5% on all other purchases.
- Welcome Offer: When you open a new Chase Freedom Unlimited account, you can earn $200 cash back if you spend $500 on purchases in the first three months.
- Annual Fee: The Chase Freedom Unlimited doesn’t have an annual fee.
American Express Trip Cancellation Insurance
American Express also offers trip cancellation insurance for some cardholders. Each card has different terms, but the following is an example of what you might expect with an example card, the Delta SkyMiles Reserve.
How American Express Trip Cancellation Insurance Works
If someone’s trip is canceled or interrupted and they paid with, for example, their American Express Delta SkyMiles Reserve card, they may be able to file a claim and receive reimbursement.
To get coverage you need to have charged the full amount of your trip to an eligible American Express Delta SkyMiles Reserve card, or you must have paid in some combination with your accumulated points, certificates, vouchers, coupons, or discounts that you get from your frequent flyer program.
To file a claim, you would notify the administrator within 60 days of the covered loss, and also notify your travel supplier.
Coverage is provided by New Hampshire Insurance Company, at no additional charge to the Member.
Where American Express Trip Cancellation Insurance is Great
Many of the American Express premium cards, including the Delta SkyMiles Reserve, offer the ability to receive a reimbursement of travel expenses up to $10,000 per trip and up to $20,000 per account in a 12-month period.
They also cover itineraries that are outside of the parameters of a typical round trip. For example, they might cover combined one-way tickets.
Where American Express Trip Cancellation Insurance Falls Short
As with other types of trip cancellation, American Express has a fairly long list of exclusions that won’t be covered. Also, for the best coverage, you’ll usually find that you’re paying a high annual fee because the premium perks are available with the premium cards from the company.
Does American Express Cover Coronavirus Cancellations?
American Express does not cover the fear of contracting coronavirus as a covered reason under their travel insurance policies. However, other situations related to coronavirus may be covered, for example, if you are ill with the virus.
Best American Express Cards with Trip Cancellation Insurance
The following are some of the top American Express cards that include some level of trip cancellation or interruption insurance.
The Platinum Card® from American Express
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- Trip Coverage: The Platinum Card from American Express includes trip cancellation or interruption coverage of up to $10,000 per covered trip. There is a maximum benefit of $20,000 per card for a 12-month period. Coverage is secondary to other insurance or benefits available, and coverage doesn’t apply to accidents or bodily injury as well as many other exclusions.
- Other Rewards and Perks: Earn 5X Membership Rewards points for each flight you book directly with airlines or American Express Travel, as well as 5X points on hotels booked through Amex Travel. Get up to $100 statement credits annually for purchases at Saks Fifth Avenue.
- Welcome Offer: If you open a new American Express Platinum Card account, earn 100,000 Membership Rewards Points with $6,000 in purchases during the first six months.
- Annual Fee: The annual fee for the Platinum Card is $695. (See Rates and Fees)
The Business Platinum Card from American Express
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- Trip Coverage: The Business Platinum Card from American Express includes trip cancellation and interruption insurance of up to $10,000 per covered trip and $20,000 per eligible card for every 12-month period. You may be eligible for reimbursement for nonrefundable amounts if you paid with your card, and this includes non-refundable pre-paid land, sea, and air transportation. You may also be eligible for reimbursement of additional transportation expenses, but they can’t exceed the cost of an economy class air ticket to go back to your place of origin.
- Other Rewards and Perks: The Business Platinum Card earns 5X points on flights and prepaid hotels if you book through American Express Travel, and you get 50% more points on purchases you make with the card that is $5,000 or more. If you redeem points for flights, you get 35% of your points back. You can choose one airline and get up to a $200 airline fee credit for each calendar year. Earn 1X points per dollar on everything else you spend.
- Welcome Offer: Earn 120,000 points if you open a new Business Platinum Card and spend $15,000 in the first three months.
- Annual Fee: The annual fee for the Business Platinum Card is $695. (See Rates and Fees). Terms Apply.
Hilton Honors Aspire from American Express
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- Trip Coverage:The Hilton Honors Aspire from American Express includes coverage for certain round-trip travel bookings up to $10,00 per covered trip. There’s a $20,000 maximum per card per 12-month period. Some of the covered losses include accidental bodily injury, inclement weather, changes in military orders, terrorism, or a quarantine required by a doctor for health reasons.
- Other Rewards and Perks: With the Hilton Honors Aspire, earn 14X Hilton Honors Bonus Points if you use your card at hotels and resorts that are part of the Hilton portfolio. You can earn 7X Hilton Honors points if you use your card to purchase flights directly with airlines or you do so through American Express travel. You also earn 7X points on car rentals and U.S. restaurants. Earn 3X Hilton Honors Bonus Points on all other purchases. You get complimentary Hilton Honors Diamond Status with the Aspire card and a weekend night reward.
- Welcome Offer: After three months of opening an account, if you spend $4,000 in purchases, you can earn 150,000 Hilton Honors Bonus Points.
- Annual Fee: The annual fee for the Hilton Honors Aspire is $450.
Delta SkyMiles Reserve Card from American Express
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- Trip Coverage:The Delta SkyMiles Reserve Card from American Express includes trip cancellation and interruption insurance if you book a flight entirely with your card and that flight is then canceled for any reason that’s covered including weather, sudden illness, or injury. There is an available reimbursement of up to $10,000 per trip and up to $20,000 for each account that’s eligible for a consecutive period of 12 months.
- Other Rewards and Perks: The Delta SkyMiles Reserve Card earns one mile per dollar on purchases made with the card, and includes Delta Sky Club Access. The Delta SkyMiles Reserve Card also comes with a Domestic First Class, Delta Comfort+, or Domestic Main Cabin companion certificate each year that’s round-trip.
- Welcome Offer: Cardholders can earn 50,000 bonus miles and 10,000 MQMs after spending $3,000 in the first three months from opening the account. There's something called the Status Boost™ which lets you earn up to 60,000 MQMs if you spend $30,000 in a calendar year on your Card, up to four times a year.
- Annual Fee: The annual fee for the Delta SkyMiles Reserve Card is $550. (See Rates and Fees)
Delta Reserve for Business Credit Card
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- Trip Coverage:If your round trip is entirely paid for with your Delta Reserve for Business on or after January 1, 2020, and your trip is canceled or interrupted for a covered reason, you might be reimbursed. The coverage may reimburse non-refundable travel expenses you paid for with your card up to $10,000 per trip and up to $20,000 per card for each consecutive 12-month period.
- Other Rewards and Perks: The Delta Reserve for Business card includes complimentary Centurion Lounge access if you book your flight with the Reserve Card, and complimentary SkyClub Access if you fly with Delta. If you aren’t a Medallion Member, having the card will put you on the Complimentary Upgrade list. Earn three miles for every dollar spent on direct Delta purchases and 1.5 miles per dollar after you spend $150,000 in purchases on the card in a calendar year. Earn one mile on every other dollar spent on purchases.
- Welcome Offer: If you spend $4,000 in purchases on the Delta Reserve for Business in three months after opening an account, earn 60,000 bonus miles and 10,000 MQMs. There's something called the Status Boost™ which lets you earn 15,000 MQMs if you spend $30,000 in a calendar year on your Card, up to four times a year.
- Annual Fee: There is a $550 annual fee for the Delta SkyMiles Reserve card. (See Rates and Fees)
Marriott Bonvoy Brilliant™ American Express® Card
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- Trip Coverage: The Marriott Bonvoy Brilliant American Express Card provides trip cancellation insurance and trip interruption insurance up to $10,000 per covered trip. The coverage extends to a maximum of $20,000 per card in a 12-month period.
- Other Rewards and Perks: Earn 6X Marriott Bonvoy Points for every dollar spent at participating Bonvoy hotels and 3X Marriott Bonvoy Points at restaurants in the U.S. and on flights booked directly with the airline. All other purchases earn 2X Marriott Bonvoy points. The card includes a $300 statement credit each year for purchases at Marriott Bonvoy, and cardholders get a free night award every year after your account anniversary. With the card, you can get Marriott Bonvoy Gold Elite Status complimentary. Complimentary Platinum Elite status.
- Welcome Offer: If you spend $5,000 in purchases in three months after opening an account, earn 150,000 Marriott Bonvoy points. Terms Apply.
- Annual Fee: The annual fee with the Marriott Bonvoy Brilliant card is $650. (See Rates and Fees)
Other Great Credit Cards with Trip Cancellation Insurance
There are a few other cards that you might consider if trip cancellation insurance is a priority for you.
Visa Infinite Cards
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- Trip Coverage: Visa Infinite cards include trip cancellation insurance if you purchase your tickets or another person’s tickets in full with your eligible card and you have to cancel for a covered reason. The trip has to be canceled before it starts to be eligible. Reimbursement coverage is available up to $2,000 per insured trip and you may be reimbursed for up to $500 a day in expenses for trips that are delayed more than six hours or a delay that requires you to spend the night somewhere.
- Other Rewards and Perks: The Visa Infinite Card includes Priority Pass lounge access at more than 1,200 airport lounges globally, and VIP amenities when you rent a car with certain companies. Cardholders receive a $100 statement credit to apply for Global Entry and a statement credit for airline incidentals.
- Welcome Offer: Depends on the specific Visa Infinite card you have.
- Annual Fee: The annual fee varies based on which Visa Infinite card you have.
U.S. Bank Altitude Reserve Visa Infinite Card
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- Trip Coverage: The U.S. Bank Altitude Reserve Visa Infinite Card includes trip cancellation and interruption insurance if you purchase your travel ticket with your card. The coverage applies to not just air travel but other forms of travel such as ferry and cruise ship, and there is a $2,000 trip maximum. You must have used your card to make the transaction.
- Other Rewards and Perks: Earn 5X points with the U.S. Bank Altitude Reserve Visa when you book hotels and car rentals through the Altitude Rewards Center. Earn 3X points on every dollar spent on net travel purchases as well as spending done through your mobile wallet. Cardholders are eligible for a $325 annual statement credit as reimbursement for travel expenses, and receive 12 free Gogo Inflight Wi-Fi passes a year.
- Welcome Offer: If you spend $4,500 in the first 90 days after you open an account, you’ll earn a bonus of 50,000 points, which is equal to $750 in travel redemption.
- Annual Fee: There is a $400 annual fee with the Altitude Reserve, and it’s $75 for each additional card.
Credit Cards with Trip Cancellation Insurance: Conclusion
With the uncertainty of the coronavirus, many people have been digging into whether or not they have travel protections offered by their card company.
While credit card trip cancellation insurance does have exclusions and limitations and won’t cover things like simply being afraid of an illness, it can offer some level of protection that you might find valuable if your trip is canceled or interrupted for a covered reason.
To see the rates and fees for the American Express cards featured, please visit the following links: Marriott Bonvoy Brilliant American Express Card: See Rates and Fees; Delta SkyMiles Reserve American Express Card: See Rates and Fees; The Business Platinum Card(R) from American Express: See Rates and Fees; American Express Platinum Card: See Rates and Fees; Delta Reserve for Business Credit Card from American Express: See Rates and Fees
Author:
Ashley is a graduate of UNC-Chapel Hill where she studied journalism. She has worked as a journalist, content creator, and copywriter for nearly a decade, with a focus on personal finance, real estate, and healthcare. She now lives in Knoxville with her husband and young kids. During her free time, she enjoys traveling and enjoying the outdoors in East Tennessee.
Reviewer:
Logan is a practicing CPA and founder of Choice Tax Relief and Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.
