Who is covered by credit card travel insurance?

24.04.2024 - 14:11 / thepointsguy.com

No matter how carefully you plan your vacation, bad weather or mechanical delays can throw your trip off track without warning. That's why it's important to consider getting travel insurance to protect your trip.

Thankfully, many of the top travel rewards cards on the market include various travel protections automatically when you use your card to pay for your trip.

Credit card travel insurance protects you from unexpected circumstances that disrupt your travel plans. These can include illness, weather and other emergencies outside your control.

Here's a list of common travel protections included with many travel credit cards:

Related: What's covered by credit card travel accident and emergency evacuation insurance?

The people covered by your credit card travel insurance policy can vary from issuer to issuer. Most issuers cover your spouse and immediate family members to give you added peace of mind.

In most cases, travel insurance coverage will include a spouse or domestic partner. Take The Platinum Card® from American Express, for example. In regards to its trip cancellation and interruption Insurance, the following eligible travelers are covered:

Related: Should you get travel insurance if you have credit card protection?

Depending on the card, travel insurance will cover your immediate family. For example, Chase offers trip delay, cancellation and interruption insurance on several credit cards, including the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®.

The exact terms of the different policies, including when they kick in and how much coverage they carry, vary by card, but the list of eligible parties does not.

Depending on which travel protection you're using, here's who your Chase cards cover:

Chase defines immediate family as "your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews."

The great thing about this, and one of the reasons why the Chase Sapphire Reserve is one of our favorite cards, is that these insurance benefits apply to family members even when they are not traveling with you.

Related: 7 times your credit card's travel insurance might not cover you

Many credit cards offer travel insurance. Here are some of our favorites:

For more information, check out our list of the best cards with travel insurance.

Related: 4 times your credit card's travel insurance can help with summer travel woes, and 7 times it won't

Travel insurance is included on many cards and can offer peace of mind in case of the unexpected. This insurance generally covers your spouse or partner and, in some