Credit Card Travel Insurance Checker – Find Out If You're Already Covered
Check whether your credit card includes free or premium travel insurance benefits, including medical, trip cancellation, and rental car coverage.
How Credit Card Travel Insurance Works
Credit card travel insurance is an automatic benefit included with many premium credit cards. When you pay for your travel with the card, you're automatically covered for various travel-related incidents.
Key Requirements
- • Pay for trip with the card
- • Activate coverage before travel
- • Meet minimum spend requirements
- • File claims promptly
Common Exclusions
- • Pre-existing conditions
- • Adventure sports
- • High-risk destinations
- • Non-refundable expenses
Top Credit Cards That Include Travel Insurance (2025)
Chase Sapphire Reserve
Premium travel insurance with comprehensive coverage including trip cancellation, medical, and rental car protection.
Amex Platinum
Extensive travel benefits with high coverage limits and premium travel protections.
Capital One Venture X
Strong travel insurance coverage with no foreign transaction fees and flexible redemption.
Frequently Asked Questions
Does my credit card automatically include travel insurance?
Not all credit cards include travel insurance. Premium cards (Platinum, Premium, Infinite tiers) typically offer the best coverage, while basic cards may have limited or no coverage.
Do I have to pay for my trip with the card to qualify?
Yes, most credit card travel insurance requires you to pay for the entire trip cost with the card to activate coverage. Some cards may have minimum spend requirements.
Which credit cards have the best travel insurance?
Chase Sapphire Reserve, Amex Platinum, and Capital One Venture X are consistently ranked as having the best travel insurance coverage with high limits and comprehensive protection.
Is medical coverage included abroad?
Premium cards often include emergency medical coverage, but it varies by card and region. Always check your specific card's terms and consider additional coverage if needed.