Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

adequate travel insurance benefitsThe question of whether your card provides adequate benefits depends on which one is in your wallet. Credit card companies offer different levels of coverage, depending on the type of card the customer has.

Find FREE online insurance quotes by typing in your ZIP code now!

If you are going on a short trip that is only going to last a day or two, the coverage available may be enough.

In the case of a family vacation where you are planning on being away from home for a week or more, you may want to consider other options for travel insurance coverage.

Travel Insurance Basics

Travel insurance coverage protects the policyholder from losses ranging from travel delays and cancellations to emergency evacuation. Policies are available that provide coverage for medical costs. Insurance plans offering a benefit for accidental death and dismemberment are also available.

Trip cancellation insurance compensates the policyholder when he or she is unable to leave as scheduled due to death or illness.

It also pays out if the policyholder is unable to leave home because of jury duty or required military service. The conditions under which this type of policy pays out can be quite narrowly defined, so it pays to review them carefully before deciding to buy.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Credit Card Travel Coverage

travel insurance benefits

The level and type of travel insurance offered by credit card companies can vary greatly. Some companies interpret this type of protection in a very narrow fashion, and only offer coverage to a cardholder while he or she is actually en route to a particular destination. This type of policy does not cover airline travel delays, cancellations or missed departures. It also doesn’t pay out for lost luggage.

A customer who has a premium credit card, such as one with a Platinum designation, may have a higher level of travel protection. To find out exactly what is covered under the travel insurance policy, the cardholder can check out the credit card company’s web site to see if this information is posted there.

If checking the credit card issuer’s web site does not reveal the full details about what the travel insurance offered to card holders covers, the customer can contact the company for more information.

The customer service department should be able to provide this information, and a cardholder should not be hesitant about asking for a printout that explains exactly what benefits are offered by the company.

Once this information has been received, the customer can decide whether the coverage available from the credit card company will provide the desired level of protection.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Separate Travel Insurance Policy

If the coverage offered by the credit card company is not sufficient to fully meet the cardholder’s needs when traveling, he or she has the option of buying a separate insurance policy.

A credit card customer can choose to buy a policy that covers travel delay, trip interruption or cancellation, if he or she wishes to do so.

If the policyholder’s travel plans are delayed because of a mechanical failure, labor dispute or severe weather, the insurance company would pay compensation to the policyholder. The benefit paid is meant to be used toward the cost of overnight accommodation or meals if the delay lasts for more than 12 hours. If the delay lasts longer than that, additional funds will be paid out.

credit card travel insurance benefitsAnother type of travel insurance is medical coverage for when the policyholder is away from home. It covers medical expenses for injuries or illness, and may even pay out a death benefit if the policyholder dies while on his or her trip. The insurance plan would pay for the cost of arranging transportation for getting home after the illness or death occurred.

The cost of travel insurance plan depends on the type and level of coverage chosen and the length of the trip. Comprehensive travel insurance coverage is available that includes trip cancellation and delay coverage, as well as coverage for medical expenses and a death benefit. Coverage is available at special rates for students, groups of people traveling together and seniors, and spending some time online looking at different options is the way for a credit card customer to find the right protection.

A credit card can provide adequate travel insurance benefits in some cases. A cardholder should check out the benefit offered by the credit card company to determine whether the coverage is sufficient to meet his or her needs. The cardholder can then choose to buy a separate travel insurance policy if the benefit offered by the credit card does not provide the right level of protection.

Compare online travel insurance quotes and rates by entering your ZIP code into the FREE tool now!