These Credit Cards Have the Best Built-In Travel Insurance

Travel is a mess right now, and with so many things going wrong, it’s entirely possible that you’ll be stuck overnight somewhere or have your luggage delayed on an upcoming trip. Of course, you can always purchase a comprehensive travel insurance policy to cover any additional expenses you might incur, but many credit cards have some level of built-in coverage. It may be enough that you can save the expense of a dedicated policy. Here are some of the best cards that come with travel insurance.

Chase Sapphire Reserve: Most comprehensive travel coverage

The Chase Sapphire Reserve has the most comprehensive travel insurance of any credit card on the market—but it’ll cost you a $550 annual fee. The included travel insurance benefits include:

• Primary auto rental collision damage waiver: Up to $75,000 in coverage
• Trip-delay reimbursement: Up to $500 per covered passenger when your trip is delayed by six hours or more
• Trip cancelation/interruption: Up to $10,000 per covered passenger ($20,000 per covered trip)

• Baggage delay coverage: Up to $100 per day for up to five days per covered passenger when your bag is delayed by at least six hours
• Lost luggage reimbursement: Up to $3,000 per covered passenger
• Roadside assistance: Up to $50 per incident, up to four times per year
• Emergency evacuation: Up to $100,000
• Emergency medical and dental: Up to $2,500
• Travel accident insurance: Up to $1,000,000 for Common Carrier Travel Accident Insurance or $100,000 for 24 Hour Travel Accident Insurance

For the card’s high annual fee, cardholders will also receive up to $100 to cover the application fee for Global Entry or TSA PreCheck, a Priority Pass Select lounge membership, and a $300 annual credit that is automatically applied to the first $300 in travel purchases made.

The card earns 10 Ultimate Rewards points per dollar spent on hotels and car rentals booked through Chase Travel, five points per dollar spent on flights booked through Chase Travel, three points per dollar spent on all other travel and dining purchases, and one point per dollar on all other purchases. Points can be redeemed for 1.5 cents each through Chase Travel and on eligible purchases through Pay Yourself Back or transferred at a 1:1 ratio to Chase’s travel partners.

Chase Sapphire Preferred: Most comprehensive travel coverage with annual fee under $100

The travel insurance offered through the Chase Sapphire Preferred is almost as good as that offered through the Reserve, and the card only has a $95 annual fee. The benefits include:

• Primary auto rental collision damage waiver
• Trip-delay reimbursement: Up to $500 per covered passenger when your trip is delayed by 12 hours or more
• Trip cancelation/interruption: Up to $5,000 per covered passenger (maximum two) ($20,000 maximum per 12 month period)
• Baggage delay coverage: Up to $100 per day for up to five days per covered passenger when your bag is delayed by at least 12 hours
• Lost luggage reimbursement: Up to $3,000 per covered passenger
• Travel accident insurance: Up to $500,000 for Common Carrier Travel Accident Insurance or $100,000 for 24 Hour Travel Accident Insurance

The Chase Sapphire Preferred also offers an…